One word: miserable.

Temperature wasn't too bad (31-32f), but the wind was horrible. Gusts up to 25mph or so, and I was either riding directly into them, or they were blowing me sideways (front panniers make good sails). Didn't think I needed shoe covers, so my toes are frozen halfway through my 12-mile commute. I also didn't keep my core warm enough, as my fingers were painfully cold most of the way (they're still hurting two hours later).

Live and learn...