Yeah I'd go even further. I've been in -25° in full goose down and warmers, it was pretty rough but with protection doable. I've been in 113° drinking water with cold rag on my neck and I could feel my internal organs straining to keep me alive.

The first I was able to withstand for a few hours, the second was max only 15 minutes. I'd take the -20°, it's not even close.

I'd imagine arctic temps is where the scales start to switch, like -60° where your skin starts to flay and your blood can't pump after a few minutes of exposure. But those temps only exist in a handful of desolate places, 110°+ is starting to show where humans live.