Very true. I learned the hard way also. Don’t wear a light jacket North of Asheville, not matter if the temp is 60 degrees in the winter. We went to the Nantahala River Gorge in February many years ago. It was 60 here in the upstate. Reached our destination it was 30, not counting the wind chill. Four feet long ice hanging from the springs that flow from the mountain tops.
Nantahala is Cherokee, it means “land of the noonday sun.” Once cold sets in there it stays much longer. The river is very cold any time of year, I used to take noob Floridians on their first whitewater rafting trips there.