Cold frogs

The woman in the camping shop described the sleeping bag as “Warm down to three degrees – a good choice if you’re a real cold frog.”

I’ve spent the last twenty years wondering whether a cold frog is a frog that likes the cold, or a frog that gets cold easily.*

Beware ambiguity and unintended consequences.

*I’ve just discovered that Urban Dictionary knows the answer.

I'd love to hear your thoughts and recommended resources...