Living in NY we pretty much get all types of weather. During winter I miss the summer, during summer I miss the cold. My favorite time of year is fall - perfect temps 72-77. But for me, I usually will Have my windows open any day that's over 30 degrees so I'd say below 40 I need to make sure I have my winter coat, gloves, hat and heated seats on. But yeh, I wouldn't say there is a such thing as "to cold".