Well, it kind of depends. I pulled those numbers out of my ass. It hardly gets uncomfortably cold around here anymore, so I have a hard time judging. Wind and humidity affect the perception of temperature, and I have a larger buffer at the low end. There's also the question of clothes. How much is considered 'highly dressed?
If I were climbing at 25°, I'd wear long underwear, a Tshirt, a hoodie, and gloves. If I were dressed for a low key day surveying, I'd wear long underwear, Tshirt, A thin overshirt(the hickory is replacing that), a wool vest, a BDU shirt, an unlined filson tin vest, and gloves. I'd feel great in either scenario, and might be shedding clothes if it were sunny.