I find once I have to start wearing too many layers to stay warm, I lose too much mobility, even with a simplified standstill drive.
Also, if my big poofy gloves aren't enough to keep my fingers warm between drives, I can't grip the disc and end up either having it rip out too early or imparting a bunch of OAT.
In generally, if the temperature is below 20 degrees, I'm probably going to pass. And I HATE having a weekend pass without playing a round.
That said, with some Underarmour-type layers, a sweatshirt, and a windbreaker, you can stay surprisingly warm in fairly cold temperatures.