At work today as I had off Friday for the holiday instead. It was 19F when I left this morning. I broke up the ride by going to the gym which is about halfway. That let me get plenty warm again before continuing on. I wore an extra wind-breaking layer on the legs which made a big difference. I was comfortable all the way in.
Last Thursday's ride home was less pleasant. A light rain started before I left and continued for my whole ride. I wasn't totally soaked, but pretty wet. My knees got cold at first because of the spray (I'm fenderless) and wind, but as I rode some hills they got better.