That's where I found her on the coldest morning... complete with ice crystals, though she didn't seem to mind. My dogs would have been shivering! She's got one heck of a coat on her.
Lucy is nothing if not resilient. I've actually never seen her cold (although a couple of times she has jumped into icy water and come down with limber tail, where she sprains her tail and walks around looking really sad for a few days.) I believe that Chesapeake Bay retrievers were bred to swim in literally icy water (chunks of floating ice), and their hair is very oily so it's basically waterproof. I can't remember ever seeing her shiver.
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