I feel like people are way over stating 10F unless there's horrible horrible wind. That's like... a zipped up winter coat and gloves for me probably over a hoodie, I'm not even positive I would need a hat if I was walking, I tend to over heat quickly & thats what the hoodie is for. Unless you are out for hours or way under dressed (or dangerously drunk) you'll be fine walking to the corner store, to the T, a 9 min wait for the bus.

Like get a $20 pair of thermals and nice wind proof gloves & you'll be fine.