My commute is 17 miles, takes about 1:15 on the way to work typically. (Usually longer on the way home due to usual headwind and sometimes my dawdling.) I used to have a 7 mile commute and was rarely, if ever, cold when I got to work. Cold to begin with, maybe, and then I would warm up. But with a 17 mile commute, sometimes after I warm up, the wind and the cold conspire to make my toes and fingers numb by the end of the ride. Nothing too bad so far though.
Typically I would consider commuting down into the 20s; the coldest I've ridden in here in Fort Worth is 17 degrees last January, running errands for a few hours.
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I stop for people / whose right of way I honor / but not for no one.
Originally Posted by
bragi 
"However, it's never a good idea to overgeneralize."