I fished a tourney last year at the first of March, that had it all....
6 am -8:30 am poured the rain...45 degrees
8:30 - 12 noon sun out and warming quickly...guessing upper 50's low 60's
12 -1:30 pm thunderstorms with small hail......
1:30 to 4 pm wind howling 20- 25+ temp dropping quick
4pm weigh in time......snow showers. Spit snow the rest of the evening. I spent as much time putting clothes on and off as I did fishing that day.
Coldest was a couple years back when I went out striper fishing with my Dad around the holidays. Temp was low 30's and dropping when we started. Not a breathe of wind...just bone chilling cold. I was not about to admit to the old man I was freezing. After 3-4 hrs he finally said we have to get out of here its too dern cold! We ran a christmas tree business and farmed most of my life. I have never seen the old man wear a pair of gloves or put anything on to cover his ears. I have seen his ears at times as red as a fire engine. It was the only time in my life I heard him say it was too cold.
Bottom line IMO below 40 degrees if you are in a boat on a body of water with any size to it........it will feel 10+ degrees colder than it actually is.