I find that clouds and wind make a lot of difference in how I perceive the temperature. Low 60's, bright sun, and no wind has me riding in a sleeveless jersey and bike shorts. Throw in clouds and wind at the same temperature and I'm wearing a short sleeve jersey, capris, and a light weight, wool, pullover sweater on the same ride.

I dress even lighter for running but I'm still figuring out what to wear at what temperature. Right now I'm wearing a short sleeve running shirt and capris when it's mid 40's and sunny and I still get too warm.

Interestingly enough, I can also ride 90 degree temps without tooooo much discomfort.

I'm cold blooded when I'm not exercising. Like Oakleaf, I love my wool and hate to take it off to put on cold exercise clothes. I'm fine once I get moving.