CS i would go out, honestly anything above 30 is comfortable. Make sure you have layers on. i usually go out with a base layer, thermal shirt, flannel shirt, fleece and a wind breaker jacket on top of all that. Wear a hat or a hood, bring gloves. If you prepare correctly, fishing from boat now is very enjoyable. You will probably have the entire lake to yourself. The temp and wind seem like perfect conidtions.