I think people repress or ignore reality, however, in the state of Indiana and the probably 25 of the 50 state a jacket is needed 7 months per year.
I have now lived in the tropics for close to 14 year, upon returning to the USA this time from Panajachel, Guatemala on Lago Atitlan I became acutely aware of the weather. I do my best to ignore the weather, it is not something I can change, although in a way my lifestyle change has solved the weather problem.
Today is October 19, 2011, and it is uncomfortable here in Orland, Indiana, and my family has turned on the furnace, they must pay money to stay warm.
The costs start to explode with cold weather, I need more clothing, I feel the desire to ride in a car and not walk. Generally, the cost of living probably rises by at least 25-50 percent.
One of the greatest benefits of living in the tropics is you can sleep and live about anywhere, a room is just for protection from rain, mosquitoes and critters, nobody dies if they sleep out under the stars.
I went a year without experiencing a bone chilling feeling, I am not fond of this experience.