I am here in northeast Pa. getting ready for my 23 mile ride. Its 42 degrees and a little windy. Its cold yes, but the right clothing makes all the difference.

Long tights over bib shorts (Descent) T3K winter compression jersey with jersey over it, arm warmers,
Assos airjack 851, assos winter gloves.

Once you get thru the first 5 miles or so and your body gets acclimated to weather all is fine.