Properly outfited, sure! Believe it or not, it does get quite chilly in morning around here and it does rain!
However, we get the impact of San Francisco Bay which brings in cloudy skies and cold moist winds to chill one to the bone in the mornings...even in the middle of the summer. Ever hear the line:
The coldest winter I spent was the summer I spent in San Francisco
No lie! I thought growing up in Colorado that I'd be walking around in shorts year-round but that is quite far from the truth!