I'm from northern New England, thus the weather is often similar to that in Wisconsin, and have, over the decades, spent a lot of time outdoors in all seasons.
At the temperatures you cite (20-32 F) you really don't need to take any special precautions. If you had a camera with a battery you
might notice a modest shortening of its life, but probably not.
As for condensation,
@Sirius Glass has it exactly backwards. You do not need to worry about condensation when taking a warm object out into the cold. Condensation occurs when a cool/cold surface is brought into a warm, high humidity environment. Thus you might want to take precautions (such as putting your camera in a zip lock bag) when you go back inside (where it is warm and moist) after being outside long enough that your camera has reached the ambient outdoor temperature.
I don't bother with precautions such as zip lock bags until the temperature is a lot colder than you have asked about. I just wait a while after coming inside to open my camera bag.
There are problems that might arise at much colder temperatures (say less that 10 or 15 F, certainly by the time one gets to zero F), including:
1) Decreased battery life (not an issue with your camera).
The solution it to keep your battery (and any extras) inside the outer layers of your clothing when not actively photographing.
Do not put the whole camera under your clothing. This is a recipe for condensation problems. It is relatively warm/wet there compared to the ambient conditions.
2) Lubricants getting too stiff.
This most often results in the mirror of an SLR failing to drop back down after an exposure but sometimes it will keep the mirror from flipping up in the first place.. Shutter issues are also a possible result.
When folks talk about winterizing a camera, this is mainly about re-lubricating the camera with grease/oil that does not stiffen up at low temperature. I have never had a camera winterized, but I'm not a professional whose income and reputation requires that they get the picture no matter what.
3) Artifacts on film resulting from static electricity, generally upon (re)winding a roll of film.
This is not caused by the low temperature
per se, but rather the very low humidity that accompanies extreme cold weather. This can be minimized by (re)winding your film slowly. Again, not an issue with your camera, but it is best to avoid motorized film movements (especially rewind), if possible, at very low temperatures.
No experience with modern roll films, but back in the early 1970s, I remember talk about some films being more problematic than others in this regard, probably (I am guessing) due to differences in the film base.
