On our Sunday runaround it wasn't to bad at all, minus 6 to minus 4 Celsius for us, low to mid 20's F. Not cold feeling at all, no moisture and no wind, and a little bit of sunshine Sunday.
You need to car insurance shop, we have a like style policy, mid sized car, you get a mid sized car, truck, you get a truck, etc. At least you will be getting yours back soon.