Rancho Loco,
Actually, testing around zero isn't bad on a sunny day with no wind--which is when I typically do it. You may not believe it, but with the right clothes and some break-in of the human body (the tiny capillaries of the skin tend to shrink after a few days exposure to low temps) it isn't bad. In fact I would rather shoot on such a day than on a typical day at the range further south, because there ain't anybody else out there!