Since moving to The Villages, my standards have changed:
I no longer golf in rain, quick shower sure, but not rain, especially if I am on the 4th or 13 hole (see refund policy on championship courses)
If the tempurature will not get out of 50s, wind will be looked at and we will likely bail out. Remember it is 58 degrees at 2:58 for 30 seconds
That would be a great day in MA for winter golf for sure, but here? I can almost assure you tomorrow will be a better day
Will you get penalized?
Most likely you will not have any cancellation points on a rainy or cold day. You will get one point like you played. On cold days they post cancellation policy on golfthevillages.com