Northern Illinois for me. My 68 mile ride started at 28 degrees. It was 34 degrees when I finished. I was never warm, just less cold at times. It didn't help that I was making a lot of stops to make notes on the cue sheet I'm working on for this populaire that I'm planning to submit.
I hear tales that people ride bikes in just shorts and a short-sleeved shirt. With the way our weather has been, I've been in layers since October for all of my rides.