Yes, I should disclose to the OP that I am a big sissy, so my cutoff is usually 80+ skirt/shorts/dress, 70+ tank top with long pants, 60+ pants and t-shirt, possibly long-sleeve if it's not sunny, 50+ is long pants, long shirt, and a jacket, 40+ is when I start breaking out the Under Armour tights and shirts beneath my aforementioned 50+ attire along with earwarmers and a scarf, and 30+ I basically need a parka. There were a few mornings at work last year where the low was 27 and I think I had four shirts on under my jacket and two pairs of long underwear on under my pants. I've lived more than half of my life in South Florida and Southern California, so I have a VERY low threshold for cold!