Tom,
If you jumped into my pool right now you would crack your head on the ice. Not too many houses with stucko around here. Sub-zero temps and snow cause lots of problems. There was a big deal a couple of years ago about some big buck homes that they were building to the north of Chicago. They looked great for a couple years and then they started to fall apart like a ginger bread house. If I ever build another one it will be brink.
The bikers were out a couple weeks ago when the temps got up to 50. Most were wearing the leathers and helmets. Wind chill at 60mph is still a little cold for me.