It will also very much depend on humidity level and if you are moving or stuck in traffic/lights. Where I live, it is often VERY humid, which just makes higher temps unbearable. When the humidity is lower and I can keep moving, higher temps are doable. For example, here, right now it is 88F with 70% relative humidity, so that feels pretty bad.
I, too, always wear all the proper/full gear (well, except not pants- those are just jeans in the Summer so not that much protection there; however, I do wear heavy leather chaps over them in the late Fall, Winter, and early Spring ).