I was EXACTLY like this before January.
I was very thankful that I was able to attend Marathon Weekend as a spectator. Although I don't expect it to be cold, snowing and sleeting as we walk - I am now getting prepared for it to be COLD.
Disney cold is a cold like none other, since you stay out in it. In our regular lives, most of us run in and out of buildings and cars and don't really stand out in the cold for hours on end. In Disney 45 feels like 30 when you are out there for hours.
January...I was in awe of the tens of thousands of people walking/running in the freezing temps. And resigned myself to get ready.
I have purchased some "middle" cold weather gear. It is not for freezing temps, but more for the 40's-50's that I am afraid we will get. I am just getting prepared for it.
One of the ways I am preparing is getting out in the cold and testing my stuff. The other day it was in the 40's and I thought I was going to be ok with my scarf, hat, gloves, long sleve shirt, jacket and capri link running pants....but I was still cold. I need an extra layer of pants.
YES - I live in the South.
Also...we have to remember the corral. Personally, I am bringing a cheap coat that I can toss to charity at the beginning of the race. I am also bringing a towel to donate that I will use to sit down to get my shoes ready, etc, so that I don't get wet on the grass.
But I am totally with you...getting out when it is less than 60 is just something I did not do before January.