It depends, a moist 0°C here on the Swedish west coast had a Swedish friend from Northern Sweden shaking and he has colder than -40°C at times. But yeah it's basically T-shirt weather there😉
I went to Helsinki once in November. Dressed warmly with thermals, padded coat, woolly hat etc. I had to find a public bathroom after about an hour to take off the thermals, and shove them and my coat into my bag for the day. It was pleasantly (and unseasonably) warm there.
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Same thing. 😉