Living in Florida, it doesn't get too cold that often. But when it gets cold, it's a different kind of cold. It's a wet cold. A humid cold. A cold that sneaks down into your bones.
My 45 degrees is much colder than your 20. (Wow, that sounds childish, huh?)
Days like today, I'm thankful I live in Florida and do not have to endure the cold winters that others go through for months out of the year. I'm hopeful for chilly days to help with the holiday cheer but once the holidays are over, I'll gladly take our hot, humid summers.