CurlyhairedAssassin - I am in West Yorkshire, so a bit cooler usually than the northwest (I used to live in Lancaster and before that Cheshire) but drier.
We actually have a warm house, south facing, double glazing, terraced, sheltered by slopes and trees, the wind directed by the geography so that it practically never hits the house... And it is still feeling like autumn.
Last year we had a holiday in North Yorkshire at the end of November. We had to come home a day early before the snow really settled in. This year we have a holiday booked at the end of October in the same place (but more expensive because we now need term time). If we have to leave early again because of snow I am going to cry!
The room thermometers are saying @20 degrees here, but there just feels a damp in the air. I have had the heating on for half an hour (no more!) and it has helped, and we all have sweaters on.
May I recommend the cosypod throws. They are superb at keeping the warm in. I wouldn't trade mine at all! They are all sort of technical but reflect huge percentage of the body heat back to the person under it - or in DS's case, on it. I use his as an underblanket for him. cosypod