Luckily you live in Arizona now so you should be ok.
Please don't get me going on how cold is cold... I live in fucking Canada and its about mid-May and I'm still cranking my heat and rocking the hat & mittens.
Die canada!!!!
72 degrees is my cutoff for cold. Anything less than that and I'm an unhappy camper usually.
WTF. You live in Maryland
Hard to say, whenever it's cold it's usually windy as heck at the same time. In still air 20's feels pretty good, with the 30mph gusts it cuts to the bone.
Walking the Freedom Trail in Boston in February was one of the most miserable things I've done. That fucking wind man...