It is funny because come fall time,40 seems below freezing up here in the north but once you go through a whole winter, 40 seems almost tropical. Definitely sweatshirt weather compared to what we just went through.
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2013 Puma 30DBSS (Parked at Seasonal Site)
2001 Ford F-150
Saw a guy out in just a T-shirt while grocery shopping today. OK he was wearing pants too, but no coat. I agree with travyp, had it been a average winter 40 wouldn't seem so warm.