Scribbles in the Dark

I've been around but never actually lived full-time in snowy weather; I knew I'd not be keen on it when slipping on some black ice up in the mountains, because ice belongs in the refrigerator, duh. Less facetiously, about 10F feels too cold and like one's clothing isn't even there, unless there is exercise or yardwork like snow shoveling involved. I'd be curious to hear 'what is too hot for everybody?', because temps regularly stay triple digits for weeks at a time and that's hot.