It IS colder here in SD than it was in AZ but I am warmer here than I was in AZ last winter... I think one reason is because this house is built for here, double pane windows, insullation, etc. The places we were staying in, in AZ were of questionable code, the cold just came right through the walls and you just don't want to get out of bed because of the bone chilling COLD down to your toes.
And Steve is so cuddly! lol