I'm 'older' too, but unfortunately, I don't yet have the luxury of hibernating for the winter. I've still got to get out there and make a buck, even when the weather is kicking my butt.
There are limits, though. In my trade, we can't function when it gets down to freezing. Summer's another story. We just endure it - no matter how hot it gets. Always seems like a distant memory this time of year :-)
I spent 5 years in Western Kansas. One Winter it stayed below zero for 10 straight days, much of it even colder than that.
There had been around 10 inches of snow on the ground and I was curious if it would stay. To my surprise, the wind and whatever began to remove the snow even at 10 below zero. By the end of the 10 days the snow was just left in patches.
They bury the water pipes six feet deep out there but by the 9th and 10th days the lines began freezing up. They had some way of dealing with it and kept them open.
Actually they handled the cold about as well as anyplace I have seen.
If you dress right, even ten below zero is not too bad but you do have to have the right stuff to wear.