Goldfish can survive lower water temps than koi. In fact, they can actually survive being frozen in ice for short periods of time.
I've heard this one both ways, so I'm not sure which is correct, if either. All I know is both do fine here in Chicago where the temps get plenty cold and ponds freeze over and stay that way for months on end. One of these days I'm going to get a thermometer that I can monitor from indoors to keep track of my pond temperature over the winter, just for fun.
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