I'm in Florida and anything below 75* is cold.... We don't go outside if it, below 70*....

 

I drove around Ft. Lauderdale in a vert with the top down in January one year. Temp was about 10˚C (49˚F), and people were looking at me like I'd grown a second head. The locals were all wearing their fur coats.

My coldest vert experience was driving from Tropic, UT to Bryce Canyon to catch the sunrise - it was -5˚C (23˚F), but such a beautiful, crisp clear day that I simply had to do it. Got told off by a turkey, though.

 

Mid 50s is about as far as I go in general. Top down to work, up going home in the Summer. Switch that Spring and Fall. In Winter only on the odd warm day.

 

About 50 degrees F.

 

I remember riding my Goldwing to work with hard packed snow on the roads because the fuel in my diesel truck had turned to jello. Very entertaining.

 

In Louisiana, the problem isn't so much the cold, it is the heat. 95F with 95% humidity and the sun beating down on you in stop and go traffic is not much fun with the top down. And then the constant threat of thundershowers in the afternoons make it a gamble. So I tend to have the top down in the mornings on the way to work, and at night when it has cooled a little and the thunderstorms have reduced in likelihood. So that explains the 9 months of summer. Of course our two weeks of spring and two weeks of fall are very pleasant too.