You can condition yourself for the cold. I take cold showers every day in 46 degree water.
Look up the benefits of cold water therapy. (Focus, alertness, alleves anxiety, depression, boosts immune response, boosts testosterone, boosts will power, improves stress tolerance, creation of brown fat cells which boost metabolism and improve body temperature, increased circulation, conscious adrenaline control, etc ) Last week I worked in sub zero weather all week, and still never missed a day of my cold showers.
I'll take -20 any day over 90 and humid.