[jessaustin]

I think that "certain temperature" varies for different people, or even over time for any particular person. When I was a child the cold killed me. A few weeks ago, the highs were in the mid-teens all week around here, and I found myself completely comfortable in jeans, a sweater, hat, gloves, and a coat while outside doing farm work. The big problem at those temperatures is working up a sweat when wearing clothes that don't immediately wick it away from the body. That gets very cold quickly.