Sometimes the coldest days are the clear ones. When San Francisco is cozily blanketed in fog it might be chilly (and the chill does penetrate to the bone, if you're out in it long enough), but you don't get that frozen feeling.
Right about now, readers with snow on the ground are rolling their eyes. I feel you! I know. Snow seems colder, and technically it is. But some of the coldest-feeling days of my life I've spent here in San Francisco - days that shouldn't have been cold, and yet they still were.
All I'm saying, really, is that it's cold here. I've been wearing my warmest jackets. It's nice to feel a little like we have seasons here, when so often it feels like perpetual spring. And yet it won't be 'winter' much longer - the plum trees are starting to blossom.