Come up to WI and live a few winters, 40-45°F was t-shirt weather the past two days for me while doing light yard work.
Wind only gets to me on my torso, so I just have a couple vests to choose from depending on temp and wind conditions (heavy down, lite down, windstopper, etc). I wear a merino wool base layer and an old merino wool crew top sweater from North Face, and a vest....I do have an Asbell jacket on order. For long sits in sub-freezing weather, I also wear a pair of insulated Dickies sanded-duck bibs (way softer and more quiet than Carhartt or the like).