I've got a Gortex coat and pants, but they don't go on until it's in the 40s. If zipped and buttoned, the combination is good down to the high single digits, which is as cold as it gets here. I like weather between 50-60 because I can just hop on the bike and go without having to remove anything or add anything.
This whole thing is surreal to think about, as weather in the 90s is returning tomorrow.
Paul