Back in early 1984, I was working 2nd shift at a business in downtown Rochester, NY. I didn't have a car at the time and rode the bus back and forth, from about three miles away. The storm hit around 7 PM and by midnight, it was really getting ugly out. The buses stopped running by 9 that night. I had no desire to stay at work overnight, so I set off on foot. Since the walking portion of my usual commute was a couple hundred feet at most, I was not dressed for what I encountered. I had on jeans, a T-shirt, tennis shoes and a light jacket.
The temperature was around zero and the winds were high. While it had been snowing for several hours, there was little on the ground. It was kinda like walking in a sandstorm, with visibility changing between fifty feet and zero. I walked as quickly as I could, but it still took me over 90 minutes to get home and I had a pretty good coating of ice on me by the time I got there. The next morning, the TV said that the temp had dropped to almost 10 below and the wind chill was about 50 below.
I haven't been cold since!