Oh, a nice WET NE'str can be cold - if your up fol college on LI - you haven't seen a REAL bad one yet - the goood ones are ice storms - hard rain litterally at 32 degs - you'll understand the classic yellow rain coat

Shudder - cold and wet

Oh - and in one of those storms - do yourself a BIG favor - do NOT slip and fall into a puddle - being soaked to the skin in 32 deg water, with the wind blowing is NOT fun - and you'd better get someplace warm and dry fast