Anecdotally, I was comfortable walking around in no-wind winter NYC (so, in the 40s) in normal clothes & a coat + scarf, but felt super cold if I left off the scarf.
For temps in the low 60s, I didn’t even need the coat, just a scarf with my t-shirt + long pants + sandals. Conversely, Jacket over the same is insufficient.
Anecdotally, I was comfortable walking around in no-wind winter NYC (so, in the 40s) in normal clothes & a coat + scarf, but felt super cold if I left off the scarf.
For temps in the low 60s, I didn’t even need the coat, just a scarf with my t-shirt + long pants + sandals. Conversely, Jacket over the same is insufficient.