Well, it turns out that I set a new personal record yesterday for bike commuting in cold temperatures. It got down to 15 F yesterday morning, beating my previous record by 2 degrees. The weather service was slow to update their web site, so I had thought that I merely tied my previous low of 17 F.
Today it was about 15 degrees warmer during my commute, but it didn't feel like it. It must have been more humid or windy, and I felt just as cold as I did yesterday. Weird how that works sometimes.