We attempt three to four short walks a day. Liah is not bothered by the cold. In fact she rather enjoys the snow and cold. Returning she sleeps until time for food and/or the next journey.
My feelings are bit different. With four to five layers - including a hoodie and winter coat - it still feels cold. Certainly would not be a happy camper living in northern states or Canada. Anything less then 15 degrees is not for me.
May you stay warm.