I'm sure I would be better at tolerating such low temperatures on a bike if I were exposed to them more frequently. I'm not sure what my limit is, but 14ºF is below it.

I have some great hiking boots which keep me warm, and fantastic for walking, and are pretty good for cycling, too. Foot problem solved. My hands are much colder the last couple of years. It's some kind of medical change that my doctor has no idea about. I used to have the warmest hands. Now they are sometimes colder than my spouse's hands.