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First of all, you're underestimating it. The forecast for 8:00 PM in KC is 0 degrees fahrenheit and 13mph wind. That equates to -18 Fahrenheit wind chill, which is closer to -30 Celsius. And it's only going to get colder as the game progresses.
Yup. Lived in Winnipeg my entire life and just because I can dress for it doesn't make it any less f***ing miserable. Usually the people who "just dress for it lol" are the first ones complaining too.
-30 with the wind blowing is enough where your facial hair starts to build up frost and other exposed areas are at risk of frostbite within minutes. The turf will be shit even with the heating underneath, the ball will be more akin to a brick and every hit will rattle the players even more to the bone.
Miami sure as hell isn't ready for that type of environment and at that point I'd seriously question if the Chiefs are too. They've played in cold, but not that cold.
Edit: there's also a kinda humorous irony here. Opposing fans are quick to point out how Hard Rock Stadium was essentially configured to cook/fry the away team in the Florida heat, which is totally true. You could argue this game is karmic justice for that.