Southern schools have big advantages:
-recruiting great HS QB's, warm weather teams can tell them they will play in warm weather games thus increasing their ability to make accurate passes AND the receivers will be able to catch the ball more easily than in goddam Michigan or Wisconsin... receivers, too
-come bowl time, most of the games are in warm weather and the cold weather power teams like Michigan and Ohio State go against warm weather passing oriented teams that have played that style all year
It isn't just the discomfort of the cold, it is total technique, the way you catch the ball, the way you hold the ball, etc... but when you play in warm weather (or indoors) it is much different.
On the other hand, for example, IF this year's Michigan - Fla State was played in Michigan in 15-20 degree weather this year and some good cold wind, Michigan would win by 13-17, even without Peppers.