I live in Arizona, which for those not familiar with it, is a desert, so it never gets super cold here, we'll occasionally get down in the 20s or 30s F in the winter, and can get as hot as the 120s F in Summer. I've lived here for about 20 years, and apparently my cold tolerance is a lot lower than other people. For last couple weeks it's been in the 50s, and I'm bundling up for my bike ride, long sleeve shirt, jacket, and gloves, and there have been a few times I've still been cold. But the last few days, I've seen people out in t-shirts, tanks tops, and I even passed another guy on a bike in shorts and a T-shirt this morning, and it amazes me that they are able to do that. So this got me wondering, how cold does it have to get before you feel cold? For me the long sleeves or thin jacket usually start coming out in the 60s and by the 50s I've got either both or a T-shirt and thick jacket, hat, and gloves.