Well, like Rowan says, I did start the ride at +2C, so it was fairly chilly at first ... there was frost everywhere for the first little while.

But I am cold when I ride. On days when the temperature goes up over 30C, and people here are complaining about the heat ... I go for a ride to cool off. The only time I really warm up on a ride is if I'm doing a lot of climbing.

Walking, on the other hand, is a different story ... I roast when I walk.