When I see I'm really not working as hard as I think I am I push harder, i.e. go faster... totally mental! 38F and rain, last night I dreamed of riding in shorts

Is that a real question? You must be a young guy because after a certain age I stopped caring about what I look like. If it was between changing 2 tires/wheels or 1 there's no question, none, zip, nada, going with mismatch!