We didn't hit your temps down here, 29°, but I you nailed everything that I experienced on my ride. The one thing that also surprised me was when I finally arrived at work (7 measly miles later), my butt was numb...lol...cold numb. I usually ride between 18-21mph, I could barely get enough strength to go over 16mph.
I breathed a lot harder and I noticed every so often my legs felt like they were cramping up until I could no longer feel them. Once I arrived at work, I actually felt like I had just warmed up (30 minute ride). I usually get that "warmed up" feeling about 5 minutes into my ride...