I know 24 isn't too bad...especially if there are some ski slopes around! I was rubbing it in. I can't remember how 4 below feels!
To me, 10 degrees above is the dividing line. Above that, I might unzip my jacket a little and maybe even keep my gloves in the pocket. Below that, its all the same, bitter cold
Although I must admit, sometimes the "40 degrees and raining" that Zoom is experiencing right now can be the coldest of anything... you're wet, it's wet, you're cold, and there's no way to get out of it, ya just gotta keep on going, brrrr