Brrrrrrrr! Actually the ride was cold, but I wasn't (except for my hands OUCH!). The REI rain jacket I bought a month or so ago does a real swell job with keeping wind out, my core wasn't cold at all.

And as for cold toes, I can't recommend steel toe'd CATs enough.

It was 29° this am and by the time I ride home from the pub tonight, it's promising to be back around the same. I like this cold weather riding!