"Chilly" is about as bad as it gets around here. I've heard people refer to temps in the low 30's as "bitter cold."

That said, I've got several pairs of Bellwether ThermoDry Bib Knickers that I wear in the "winter." These things are so nice I get a little sad when it gets too warm to wear them. The fleeced inside is like comfy pajamas. Add a light jacket and some wool hiking socks and I'm ready for the coldest weather NW Oregon can throw at me.