I had a 30 min commute for many years. Initially, my limit was mid 20's F. Then I found large mittens and got a warmer coat for a motorcycle I had for a few years. Commuting at 8-10 degrees F (-12 C) was then fine; weather never got any colder.

In my area, I found raw temperature was more useful choosing clothes than "real feel" or wind chill.

One morning temperature was reasonable (about 40) but wind speed was 40-50 mph. I rode about a mile and found a bus into town rather than keep fighting the wind. The afternoon ride back was 60 degrees and sunny.