Happy Birthday Holly!
I actually went outside today and pumped 100 gallons of furnace oil into the furnace tank. The temperature was 10 above. No I didn't 'bundle' up, just my usual mukluks, jeans, t-shirt and a thermal shirt on top of that. The only part of me that got cold was my fingers and they were inside of gloves. I wonder if that could be because I froze all my fingertips when I was in Alberta back in the 70s.
I did check out remote fuel level sensors and I think I will stick with what I have.