I see the warning that this is an old topic, but I wanted to chime in, leave my two cents.
I'm usually good with in door between 60 and 75 or so. Outdoors is another story. If it's cold for a long time, like it has been lately, it's absolute murder at first, but lately, I'm finding that I get used to it pretty quickly. That's new. About two weeks of arctic cold, and I'm wearing shorts at 30 degrees, and loving it.