Used to walk a lot of places in Maine in winter, with my daughter who was about 4 or 5 at the time, a cold snap wouldn't let my car start, so we had to jog to the main road to meet a ride, for about a mile of frozen dirt road. Any bared skin just burned from the wind, (a small space around the eyes by the sunglasses got exposed) we found out later it was -25, with a wind chill of -50 to -70F. No wonder it hurt! Can't imagine riding a bike in that, I guess you get used to it, if it happens enough. I moved here for a reason! To get away from the extreme temps. Well, that's not the main reason, but it's a side benefit... especially when you are over 50.