Oh boy. I am seriously considering moving to NC from FL. I am in NC now, having evacuated south Florida. I never really had a "test" with regards to thermal issues. I hope I won't be horribly sensitive to the cold in NC because it does get cold here in NC during winter, whereas I never got cold in FL. I lived there for about 15 years. Still undecided about moving, though. I do loathe hurricanes. I went through Wilma and never want to see something like that again.