Living in northern Mass, playing in southern NH, it was about 33 degrees at 7:00 AM on the 1st tee last saturday - miraculously no frost delay.
I wore cotton chinos, nothing special, although my buddy wore long johns. Up top, I wore a Nike (sorry) dryfit mockneck with long sleeves - nice & stretchy. Over that I wore a C&B wind vest (don't know the style, but a great basic - have navy and black, v-neck, don't like the collar on the FJ vest) and an awesome LLBean "Fitness Fleece" that has a quarter zip and is stretchy enough that it doesn't hinder my swing.
Top it off with ski mitts and disposable hand warmers. I stocked up at Target, in the Camping department. $1.99 for 2 pr.
My buddy wore a tuque, which would have helped and we walked - that helps too.
We'll be playing until Thanksgiving. Enjoy!