..and another thing...
I posted this today to a similar thread on the Commuting Forum about cold extremities, "Cold feet today":
Originally Posted by
Jim from Boston
As usual on these threads about suggestions to keep warm during winter cycling,
I request that the posters provide not only the temperatures but also the distance of their rides for comparison purposes. My own particular definition of a
cold ride, gleaned from BF, is when my water bottle freezes solid; a function of both temperature and distance (time). I carry a water bottle in winter mainly for that purpose, and I showed it off to people at work this morning.

My own experience is that while I think I dress optimally for frigid and/or cold, wet weather, I can be comfortable for about 10 miles, and then tolerate the rest (usually to my destination at 14 miles).