4 PM and 80 deg F here in SOCAL.

That said, it was 39 deg F when I walked the dog this AM. No beard or balaclava, but I do have an OR Peruvian hat which keeps my head and ears warm enough and a nice wool scarf that I don't need at a balmy 39. If it were colder I could easily add the scarf to hat and I'd be good to go much colder. I'm totally acclimated to SOCAL so a light layer of wool baselayer under fleece and otherwise typical outerwear is routine for the early morning walk.

All that said, I don't think frostbite is a issue here