Lake Tahoe a few years back. On the way out to a business meeting that included golf, the weather forecast for this early October week was sunny and low-60s. The day of the golf event, it was chilly, 40s maybe in the morning. As the day wore on, the temps had dropped to the high-20s with flurries and a steady 30-40 mph wind. The few times the course came out into the open areas, it was beyond brutal!
The worst thing was taking back a driver that was being pushed off-plane by 40 mph wind gusts! Never had that happen before. Don't think I'll every play in those conditions again. Our group literally bought out any and all warm clothing at the pro shop.