Welcome, and you're one of the really lucky ones to have a supportive and encouraging wife--that's not always the case as some of us know so well . Assuming you're not as thrifty as the legend says the Scots can be a beanie or other protective gear are fine outside, you can shine by the fireside. I put on a beanie at less than 40 degrees farenheit, whatever that works out to in Celcius and I think all the guys have some level of cold that they cover up.