Down to 50 and it is still shorts (or rather bibs)- below 50 and the KNickers come out- winter material and the knees welcome the warmth. Getting near freezing or the cold wet rain and the tights go on. They don't add warmth but they do take the sting out of the cold or wet.
But below 50 and it is the extremities that will start to feel the cold. Hands and feet are my problem so Waterproof/windproof gloves and socks are the order of the day.
But other than hands and feet- it is not the cold that is a major problem- it is the wind. That takes body heat away quicker than anything else. Keep the cooling wind off the body and you will soon warm up.
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How long was I in the army? Five foot seven.
Spike Milligan