@phendrick I don’t think the decision is that easy. What if it’s too cold out because there is a snow storm? You can put on as many layers as you want but if you aren’t prepared to shovel, you aren’t going anywhere.
First, the question made no mention of snow. It can be brutally cold without snow.
Second, even if there is snow up to the top of your exterior door frame and has semi-melted and refrozen into a solid block of ice, you can still swing the door inward and exit the house. Then you are outside, so not stuck inside. The question made no mention of going anywhere off property. But even in the midst of our historical central Texas snowstorm last year with temperatures well below freezing for a record duration, I still walked the dog through the neighborhood, even though the roads were pretty much impassable for vehicles ( for most people, there are always those…) I just wore multiple layers of under and outer clothes and a ski mask with a pom-pom knit cap over it (thank you, Meh).
Incidentally, though I’ve lived practically all my life in Texas, I used to visit relatives in Buffalo, New York over many Christmases. I’ve always appreciated cold weather more than most Southerners. And probably hate hot, humid weather more than most such.
I was stuck inside on 4th if July weekend when it was in the 90s with high humidity while everybody was on the lake. I had a really bad upper respiratory and sinus infection and couldn’t breath good outside bc the air was so stagnant. It sucked, all I wanted to do was be on the lake.
We have a fight about this all the time. When I went to the dog park in the winter I bought ski pants and wore two coats. We were lucky that the park was on a hill and the wind was blocked. We all stayed hours every day! Like people have said, you can dress for cold until it get in the single digits. I was in Florida in Aug back when I was a teen. I went to the beach, which was empty and almost passed out from the heat. There is nothing you can do when it is really hot.