What is the coldest weather you are willing to play in? In my area we are in the upper 40's, which I think with a jacket on is not too cold to play in. But the courses here are deserted.
Granted, I am new to the game, but I always heard golfer's are passionate about their game and will play in nearly any weather.
I guess we are just a bunch of wimps around here
Hope you still have nice weather where ever you are at!