We've dropped to 34 Fahrenheit here now. A few more degrees, and I'm praying that it's not meant to be a rainy day.
Edit: Cold days actually tend to be worse in Florida than elsewhere. For one, most people have barely any clothing suitable for freezing and below-freezing temperatures because we only get those for a month or two and it's inconsistent (the temperature yesterday changed by a factor of at least 10 or 15 degrees in the process of driving to work; now imagine that on a larger, daily scale). And the cold tends to feel even more biting because it's spaced inconsistently between warm weather, so you never have a chance to get used to it.
But the biggest problem is probably that most houses aren't designed with the best central heating. Our air conditioning is very good because of the tropical climate, but heating elements are more sparse and unused. Right now, I'm wearing a leather jacket indoors because turning the old heat on might set dust on fire.