When to start using fall bags?

I am saving my black maggie and black sabrina for the month of October...but I am dying to finally use my gray patent peyton!
However, I have been using my summer bags still...it's cold in the AM, but like 93 in the PM. So it doesn't feel right to break out the fall bags...just yet. ;)

I have a black maggie as well and that is the same issue I am having. It is cold in the morning and warm in the afternoon. In the morning I am ready to use her but by afternoon it doesn't feel right. I may wait a little longer before I use my maggie.
 
We do not get much Fall/Winter in So FL so I will start wearing my winter bags...such as the Suede and darker bags Starting in October even though it might still be worm.. are real cold weather is at the end of December - Jan and Feb are the coldest normally.