What's the humidity like in Minnesota? When I lived in CO (very dry) it had to get very cold before it felt cold as opposed to living the south where humid 50Fs feels really cold.
It's not the humidity in Minnesota and upper plains winters that gets you, it's the wind. 15-20 degrees is chilly, but perfectly manageable. However, add a stiff breeze to that and it becomes truly cold. Add wind to <0 F temps and it becomes downright dangerous. It quickly moves beyond feeling cold to feeling pain, like sharp needles being poked into your skin.
Yes, the humidity here is usually high. It makes the summers feel warmer than they otherwise would and the winters colder (though the wind definitely plays a part in the latter as well).
The summers can get miserable, but the winters are pretty dry actually because when temperatures drop so low it takes the excess moisture out of the air. It doesn't feel anything like a Seattle or London piercing cold at similar temperatures. Of course that's a bit like Phoenix residents saying "yeah, it's 115°, but it's a dry heat"
