Felt like I was catching cold (my 2 kids have it bad) yesterday. Barely woke up on alarm, looked at phone for temp... reading 28f... (very low for where I live).
Got ready took off noticing how it is slightly chillier than usual (36-40f as of late). While riding I didn't have to unzip much of my jacket. By the time I was done with the about 2 hour routine into office (50 minute bike + 1 hour train + 5 minute bike), I think I knocked out the cold.