I was in San Francisco last week where it was foggy, windy, and in the 50s. My husband had to buy a winter hat (they were selling them in Walgreens and we even found someone selling handmade knit hats on the street) and heavy sweater. We saw tourists walking around in minidresses and sandals, hugging themselves for warmth. Came back to B-more where I eat my breakfast outside on the patio among the peonies and roses in full bloom. There are no mosquitoes yet (too dry anyway) -- in fact, no insects to speak of -- and it's absolutely perfect.
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