As Daredevil said, 20s and 30s are a piece of cake. By the end of your first winter riding season you won't even consider those temps "cold weather riding."

My record is -14F. My fingers and toes were cold, but the rest of me was fine. My fingers and toes weren't any colder than they would have gotten shoveling snow at the same temp. Below zero I've yet to find a solution to cold fingers and toes.

We've had colder days but my wife puts her foot down and doesn't let me ride below -15F. Mainly because around here in the winter the wind is also steady at 30+ mph.