Simple answer, when hell freezes over.
It really is up to the individual. I have seen kids in Assumption fishing on a -40 day, and they were catching plenty. If you can stand the cold, the fish will be there.
If your catch freezing is a concern to you, then I would use the -20 or warmer already suggested. It sounds about right to me.
Or you could carry a bucket of water to keep them in. Add a half a cup of salt and it won't freeze for quiet a while and it'll keep your fish fresh and thawed out.
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