Well, this morning, 27°(windchill 17°), was not too much for me except my hands. I did not have the proper gloves for that temperature and wind. I just rode later, 34°(windchill ~25°), and stopped at my LBS and bought the right kind of gloves for next time. Proper dress, several layers and windproofing are key for riding in cold temperatures--this includes hands and feet.