It's mid-September and the North is whining about 20s?
Our gardens are in and mostly put up - A few sprinkler systems might still be awaiting getting blown out, but most of that has happened too, because everybody is racing pell-mell into the no man's land of hunting season, when even critical services are lucky to have 1/3rd of their employees, and any work that requires men is put on auto-pilot.
If you ain't ready for winter by now, it's YOUR fault. Yeah it ain't likely, but there could be snow on the ground TOMORROW.
Dippin into the 20s is nothing.