11:14am in SoCal. Bright bright intense sun BUT it is only 57 degrees.
My top floor apt overlooks our pool and there are many people out there laying in the sun. Here in SoCal, the sun is very very warming. So even at 57 degrees, you can lay out in the direct sun and not feel one bit cold. AND I have a North facing apt which tends to be cooler than the South facing units. Now me, I have on a turtleneck and sweatshirt and sweats.