I have been out in the 30s. I don't do it anymore. Wore a ski mask and eye protection etc. To me, water streaming out of your eyes and fingers you can't feel is no fun. I suffered from frostbite on my fingers and toes when I was young. I'll wait until it warms up, which could be as soon as tomorrow cause it's supposed to get to the upper 40s here. But the 30 mph winds could deter me.
Some crazy people around here like to do polar bear plunges at this time of the year. I don't consider that sane. When people ask about my rides and find I consider 25 miles an easy ride you can just about see their jaw drop. Usually followed by the comment of they'd just die if they tried that. It's all in the perception.