That seemed to be the consensus when I lived on the Gulf Coast.
If it reassures you:
- after a while, one gets used to it.
- you can ALWAYS put on more clothes.
If you prepare right, you can withstand the elements. (I accidentally took my kid polar camping once. By “accidentally” I mean that the plan wasn’t to sleep in a tent during an ice storm. Kid loved it.) When I lived in the Midwest without a car and no Sunday public transit, I realized there is a reason to favor practical over fashionable footwear when walking to church in subzero weather.
A few years back someone posted from Southeast Asia about their son’s choice of St Cloud MN or Texas. I was a little concerned that winter in St Cloud Minnesota might be a real shock. Also, quality winter clothes are not cheap, and don’t pack up small! That should be a calculation considered, if $ are tight.