Whether 55°F (about 13°C) or 66°F (about 19°C) is considered cold depends on personal preferences and what you're accustomed to. For some, 55°F might feel cool and require a light jacket, especially in the morning or evening, while others might find it comfortable. 66°F is generally considered pleasant to slightly cool, and many people would find this temperature quite nice, especially for outdoor activities. It really varies from person to person and also depends on the humidity, wind, and what you're doing outside.
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