Lots of layers...it can be done, especially if one is younger. Us older folks...too cold for me. d:o)
I’d need enough layers I wouldn’t be able to move. LOL! I start getting uncomfortable if it gets below 50 degrees. It gets below freezing, I don’t want to go out, though I do it.
We’ve had winters when it got down to zero at night with single-digit highs for a short period and it was misery if I had to go anywhere.
I’m not cut out for life any farther north than we live. I’d stay holed up as much as possible during winter and that would be a drag.
But the same can be said for summer. Living any farther south wouldn’t be good. Too hot. Don’t care for extremes either way.