I call anything between 0-20 chilly, and anything below zero (F) cold. Its cold. -5 below with a good 20 mph wind.
Yesterday I worked on my new bathroom trimming it out. It was just plain brutal. I got a small propane heater in my shop, but it was just enough to take the chill off, but not much more than that.
I got a lot done though. Over the weekend I got my shower installed and plumbed up. I got a big linen closet framed, drywalled and fitted with shelving. Then even managed to get everything trimmed out with wood, and just the way it worked, there was a lot of trim to do.
I have no intention of traveling from birth to the grave in a manicured and well preserved body; but rather I will skid in sideways, totally beat up, completely worn out, utterly exhausted and jump off my tractor and loudly yell, "Wow, this is what it took to feed a nation!"