i made my last jump when it was 50 (farenheit) on the ground and below freezing at altitude. i didn't have any problem during freefall - likely because of all that adreneline pumping through my body! - but descending under canopy were 5 of the longest minutes i've ever experienced! even with gloves, by the time i landed, my fingers hurt so badly i had to promise myself i wouldn't jump again around here until the spring. i do suffer from reynauds, though, so the cold tends to affect me more than most people.
i'm jealous of those of you who can jump in the cold!