Below 50 degrees is my cut off for too cold to play. Thankfully there are plenty of days above that during the winter.
Honestly don't know how you guys in the north do it. When playing in the cold it is just no longer fun for me.
We still wear shorts in 50 degree weather.
Honestly it is an adjustment, disc fly a little different and you need to adjust to extra layers of clothing, but it is still fun.