Current National Weather Service and private model consensus indicates overnight lows in San Francisco on October 15 will settle in the upper 50s°F under clear skies, light northeast-to-west winds, and stable high pressure that limits radiational cooling while marine air moderates extremes. This setup favors a daily minimum near 55–59°F, aligning with climatological norms for mid-October and recent pattern persistence of mild conditions. Trader-implied odds reflect this baseline alongside typical forecast uncertainty in coastal boundary-layer temperatures, with the elevated probability on 64°F or higher capturing scenarios of slower cooling or slight model warm bias. Final NWS updates and real-time observations through the night will resolve the market.