Well, I didn't freeze my *** off after all. I was comfortable all the way to work.

About 3 miles from work I was on a side street and had been followed for about 2 blocks by a slow moving Subaru station wagon. I thought, "Hmm, what's this guy gonna do?"
He finally pulled up beside me and rolled down the passenger side window and said, "You're very visible."
I thanked him for the positive comment and told him I try to be as visible as possible for safety sake.
Visible?? Me?? I was just wearing my neon yellow/green jersey, neon yellow/green vest, bright yellow arm warmers, and riding my black bike that's covered with yellow reflective tape.