I'm in Scotland, so anything under 5 degrees is cold. Anything over 12 degrees is hot......

15 is positively tropical. 18 degrees we can't cope with at all, and hide indoors in case we burn.
With me, there are varying types of cold. You get beautiful sunny mornings that are cold, but they don't seem as cold as the dull, dreich mornings with low cloud which are usually actually a bit warmer. In fact, a few months ago we were regularly at minus 2 to 5 degrees, even during the day, but that didn't seem as cold - it's obviously something to do with being prepared for it.........If that makes sense.
Then you have breeze factor - I can't handle a breeze, it can be 20 degrees, but the moment I feel a breeze the cardi goes back on. And to think I'm 37, not 87.