It's -4°F this morning before the wind chill. I put the shell on my jacket so I have a hood and my hair won't freeze. I start the car at least 10 minutes before going anywhere. I give the steering wheel a good minute to warm up once I'm in the car, since that doesn't turn on until I push the button.
So, yeah, it's not too bad if you're a bit boogie.
The house I'm renting leaks like a sieve, though. I'm up to 7 blankets and a comforter at night.