Air Temp 32F with 15 kt wind...Water Temp - Much Warmer - and yes, it gets so much colder up north, but this is FLORIDA - WTF - Tonight will be in the teens.....Arrrggghhh
Chris I know you are hating the weather and all but that is one striking image!
I live in a similar tropical/subtropical location (Australian east coast) at roughly similar latitude to you.
I have never experienced what you describe in your post (air temperatures just never get down that far here).
I don't know exactly how the light was but the image has a slightly desaturated look that really enhances the impression of the cold (Eric also commented on this).
It is a very pleasing image at an aesthetic level (all elements combine very well) but it also documents a fascinating natural phenomenon - all in all a winner!
Tony Jay