2.5 C yesterday; 7 deg. when I left home to walk 2 miles, but full sunshine and v. light breeze.
Didn't need gloves (close, though), in shorts, and my nice new Paramo Bentu fleece kept out the breeze without broiling me (it's also withstood 2.5 h drizzle/light rain without leaking).
11 deg. this am but no sunshine & more breeze so might need more wrapping.