That's it. The Cali crowd can't handle the cold. 40 is a piece of cake.

Yeah, the teens can be rough even in calm conditions for cycling.

One thing. What are people wearing. I never wear "Cycling Clothing". Fleece lined nylon pants that I buy on Amazon with pockets. Imagine wearing pants with pockets while cycling. Gasp. And a T shirt, Kuhl, zip up, and the trusty Patagonia Retro Fleece. I am completely comfortable in the 30's and 40's.
Again, you can't get enough off in the summer. Summer is a total beat down!