Like many have stated colder weather calls for heavier clothing. With no disrespect I say that living in Florida you have no concept of cold weather. I have been living in North Dakota long enough that most consider me a native. The temperature varies from 100 above to -40. There are many days here during the winter that it is colder than many places in Alaska. If you stored your steel revolver in the car overnight and picked it up without a glove it would freeze to your hand.
Like many I use cold weather to enable me to more comfortably conceal a larger gun.
My rifle and pistol are tools, I am the weapon.