I was thinking about the layers also since it was 18° as I'd mentioned, and I didn't really add a layer from 25° wear as I'd advised. I replaced the wicking short-sleeve base with long sleeve, so I only sort-of followed my own advice. I like to ride cooler since it's under 40 minutes at the longest and I don't have many stops.

@PatrickGSR94 got me worried about toes. I didn't think about them while riding, not really aware of the feet as cold or otherwise, but after stopping and walking in I did notice that they felt cold. Not painful but colder. Maybe we just block it off.