We're about the same temp here today, and I ran out of the house without a coat at all -- and wearing a sleeveless knit top under a thin waterfall cardi.
I did run back in and get my coat, although I didn't put it on --- those driving commutes, ya know! At least I'm prepared if I get waylaid on the way home!
Love this sweater on you, Suz --- an interesting pattern, but in sophisitcated grey. I find sweaters like this so attractive and do wish I could wear them as well as you! I think the bit of shine in the boots is such a nice touch for winter, too!