Nice picture.
I am not sure, but it looks like open water at what I assume is the north bank.
Is the water pretty fast there, or is it just an effect of the light?

I assume you are giving the temperature in Fahrenheit so that would be about -25 in Celsius.
Not real bad but still cold enough, especially if there is any wind at all.

I myself am a bit undecided on which is worse, the Black Flies or the Snow flies.
I hate the Black Flies with a passion. They are even worse than mosquitoes and will gnaw you to raw meat.
If you let them they will drive you to madness.
I am OK with winter generally, except for white outs or black ice conditions on the roads. When the snow gets real deep it can be a pain.