Snyder, you are somewhat correct. The coldest I have hunted was 16°. Got a 6 point at about 40 yrds., and I set the trigger. If you can't handle your gun, you need to do something about that. I can handle mine.
Bill Knapp. You have given the very example I was talking about. You "THINK" a 4 1/2 to 5 lb pull should be enough. It is not even close for me. What you think does not work for me. What I like works for me. I don't tune my guns for someone else. I tune them for me, just as some people like a 6 lb rifle, when I would prefer an 8 or 9 lb gun.
Bump test? That is BS. Is there a set poundage of bump that makes it safe or not safe? If not, I would call that very unscientific, and subject to ones own interpretation. I test mine by a moderate but firm thumb push on the cock. If it doesn't slip with the sear spring being removed, it suits me fine. The spring has but one job, and that is to set the sear into the notch in a reliable and positive manner. After that, it's work is done. The rest is geometry. You don't put your finger on the trigger, until the gun is shouldered, and your ready to fire. Then it is time to either set the trigger, or pull the trigger. If you're clumsy enough to bump the gun on a tree, then it sucks to be you, but if that happened, all you've done is to lose a shot, and the deer is likely in the next county after that, whether it goes off or not. You'll learn to be more careful next time. 99% of gun safety, is in your hands, and not in the gun. When I sit in a stand, waiting on a deer, freezing my a$$ off, my trigger finger is always protected, even if the rest of me isn't. I refer back to my original post. It is a matter of preference, and what works for you. Not necessarily someone else. When I build a rifle, I give the customer what he prefers. Not what I prefer.