We rode after work...at 6PM the wind was blowing hard at Canada and 92 and it was cold. We rode our tandem to Alpine and Portola - 26 miles. The ride out was comfortable but the wind and cold on the way back reminded us of winter.
Here is a guy that agrees with us...
The coldest winter I ever spent was a summer in San Francisco.
Mark Twain (1835 - 1910)