I've ridden in 8ºF on the thermometer, which is less with wind chill. It gets pretty darned windy here, and I commute along the river, which makes the temperature and wind even worse. I'm pushing my limit to see if I can go farther. Since I started this job, it's been challenging, because it's a 14-mile distance, each way. I have to prepare very well, or I'll incur a lot of pain.