It's not cold. It really isn't. Stop whining loud enough that people from the East Coast can hear you. It's 60 degrees and there is no wind or fog. Put on your grown up undies and learn to carry a hoodie or cardigan with you at all times. You're just revealing how much of a newbie to the city you really are.
Now, if you're walking across the Golden Gate Bridge in June and there's wind/fog/blowing mist, you are allow to complain. That summer cold is annoying.