I grew up on the east coast in upstate NY where it can get COLD!!
But often, during the winter, the sun can come out, it can be twenty degrees or so, with snow on the ground... you can go out and do heavy physical labor and take it down to a tee shirt and still be ok! Even work up a sweat!
But here, when it gets down to 45 degrees, and 97 percent humidity for days and weeks on end, it just goes to the bone... you can’t get warm, and everything - EVERYTHING -is damp and chilly.
For us in coastal NW Florida this has been the coolest August in 15 years or so and the wettest summer in a lot longer than that. In the 60s and before his was the second wettest spot in the 48 states, second only to coastal Washington.It has been relatively dry since then.
I spent a wet cold fall in Tacoma in 1970. Lows were in the 40s-50s and it was COLD.