When it hit 40 F for the first time I reluctantly decided that if it stayed that cold another night I'd have to turn the furnace on. At 35 I started wearing a cap & glove for my nightly walk- still wore shorts, though. When it hit 0 for the first time I decided I'd better dig out my winter coat as soon as I had the chance.
Don't forget the sweat pants. Gotta keep those knees warm now.