all 60deg temps are not equal ... in the Rockies where I'm from, I've been comfortable outdoors wearing only a sweater with temps quite a bit lower than I bundle up heavily for here in SF ...
It's a different kind of cold ... I'd have never believed it until I lived it, but it's a no-foolin fact ... as Chris mentioned above, we spent the afternoon on the roof deck of his apt, watching the Blue Angels (see his post above; lunch, the flight demo, the weather, the Bass Ale and the cigars made it a fabulous afternoon)... but, had I stayed in The City and gone onto that roof again last night at 9 and gone back to that rooftop instead of out on my patio for an evening smoke, I'd have frozen my a** off ... and last night wasn't as bad as most.
This is not to say that our weather is comparable to the sub-zero temps of Wis, Min, Mich, NY, Ill or anywhere else in that part of the country ... it's not and luckily, we don't have to drive these hills with snow on them ... what I'm saying is a 45-55 deg evening, which is typical here in SF (even in mid summer) FEELS as cold as a 20-30 deg evening in the Rockies and one CANNOT sit outdoors and enjoy a cigar or much of anything else in those conditions ...