Coming from the north, this isn’t Cold
yet.. wore long sleeves with sweater all week at Disney, with jacket at dusk. Frost on windshield every morning using the time honored credit card scraper removal system.
At Zero one breaks out the light ski jacket, glove, hat and a scarf. Then once you are out for awhile the scarf and hat come off, and the jacket gets unzipped. If one is shoving the jacket comes off but the gloves and hat stay on.