An expression folks use when it is hot is "it is not the heat it is the humidy". What I have learned in my winters in FL is that "it is not the cold it the
north wind. 50 dgrees with a 15-20 mph north wind feels like 25 degress to me .....
In the end it is solely a personal decision. Folks have different tolerances or obession levels for golf. If it will be uncomfortable, wait a day or two and it will be great again!
Tomorrow is an example of a day I would not play
Sunny / Wind High
49°F
Wind: From NW at 20 mph