Jay C., thanks for your comment.
I was misleading and my post was incomplete. With our plans to homestead, and with less-than-desired amount of money, we will most likely turn to utilizing locally harvested materials to build our home. With our combined skill sets and ideas on what our home needs to do for us, cob seems to be the best fit.
"working just fine" as I had broadly stated, is most definitely subjective. "worked" is probably a better fitting description. Thermal mass (log and stone) buildings were built over and over again for many reasons, including the fact that they worked. With the available materials and construction methods of that time, thermal mass buildings suited the needs of many folk. It just worked. And I am compelled to believe that they would even say it worked well, if not great!
I don't know if I used 'specialized skill' in the wrong context, but I think we can agree to disagree on this notion. When building our cob building I was more than happy to receive help from others to build the cob walls. Experienced or not, they could build the wall, the same way I would, with minimal instruction. I've never built a stone or log building, but I don't think an unexperienced person could do it properly. Cob is very forgiving in it's construction. I can't say the same for stone and log. True, there are a lot of things in cob buildings, as a whole, that do require a higher degree of skill and know-how, so I don't believe just anyone should build one. But building with cob, in itself, is pretty basic.
There are a lot of good thinkers out there trying to find different ways of dealing with the drawbacks of cob. Some of those ideas, I believe, are so different that I would no longer call it cob. My view is, there is nothing wrong with cob. To live in a cob house this far up north, I'm expecting to be uncomfortably cold. If being cold was unacceptable, then I simply wouldn't build with it, and would recommend that others do the same.
Like Brian H. had said, there just isn't any info regarding cob and cold weather. Overall, I'm pretty confident cob will work in cold climates, it's just a matter of it meeting each individuals specific wants and needs. Which is exactly why we are testing it out. Also, due to your (Jay C.) comment on condensation, I will definitely be watching for this more closely. I assumed it wouldn't be a huge issue, but if it concerns a man of your position, then I had better take note.
Thanks again Jay C.