I'm in DFW, so having one of my quilts in freezing temperatures isn't much of an issue. We do have freezing temperatures occasionally, but not often enough to worry about. When it gets really cold (to us Texans), we mostly stay home until it warms up. It usually involves ice, so going anywhere isn't feasible, as the streets and freeways become "bumper car" boulevards. We don't have snow plows, etc.
Of course, if we have snow, the kids have to be out in it.
Thanks for your input.
bkay