[quote="I kinda doubt the CCA's are only 40% of max power a 0 degrees[/quote]
Voltage in a storage battery is a chemical reaction that naturally slows as the temperature goes down. They are rated at a temperature of about 77f.
Here's a clip from just one of many links google came up with. They don't specify 0 but do mention -27 (50% loss)and 32 (20% loss)degrees F.
Further down they indicate the mass of storage batteries make them react to temperature changes slower. So a battery's temperature might not/won't the same as the overnight low
http://www.windsun.com/Batteries/Batter ... emperature Effects on Batteries
"Temperature Effects on Batteries
Battery capacity (how many amp-hours it can hold) is reduced as temperature goes down, and increased as temperature goes up. This is why your car battery dies on a cold winter morning, even though it worked fine the previous afternoon. If your batteries spend part of the year shivering in the cold, the reduced capacity has to be taken into account when sizing the system batteries. The standard rating for batteries is at room temperature - 25 degrees C (about 77 F). At approximately -22 degrees F (-27 C), battery AH capacity drops to 50%. At freezing, capacity is reduced by 20%. Capacity is increased at higher temperatures - at 122 degrees F, battery capacity would be about 12% higher."