How cold do you feel?

[cjsmith]

I am firmly convinced that chilly is colder than cold. Cold hisses across your skin; chilly gets into your bones. Cold means a parka in the snow, and thin watery sunlight; chilly means trying to type with mittens in your office, and sniffles, and a deadline.

California has chilly. Of all the places I've lived*, northern California does chilly in the biggest way.

*eg Boston

(From a comment elsewhere.)