Are you talking with heated gear or without heated gear? I’ve ridden in Wisconsin in November in 20 degree weather but that was with a heated jacket and gloves. Otherwise I will quit riding if the weather gets into the 50’s if I don’t have any heated gear.
Another Floridian chiming in. I'm a little further north, but I'll ride in anything above freezing. The coldest ride I've done started in the lower 30s(F) in the morning but warmed up to the upper 60s(F) midway through the ride. The gear definitely makes a difference. I have one jacket that I use 2 months out of the whole year.