I was determined to ride today and yesterday, it's below 40 deg F here and the windchill is pretty fierce, also today it rained. I rode with a tshirt, thick sweatshirt, coolmax cap, helmet, jeans cuffed in wool socks and sneakers. It was freaking COOOLD but I made it a little over half an hour each day for my workout. I'll definitely be puting on a rain layer and hooking up a balaclava you folks are wearing, they look warm.
Also my current ride is a Specialized Ninja, but she's a big funny looking ninja so it's hard for her to be invisible.