Originally Posted by HiYoSilver

What I was a tad flip? Well, when we're "seniors" out to pasture we can say anything.

My point is simple: you love biking. You should be able to bike down to temps of 40F with no problem. You only need 3 items:

1. gloves. Even those old work gloves work fine.
2. a windbreaker. With the gusts we get, riding in the wind is not fun and a good enough reason to not ride.
3. some head covering: ear muffs, head band, silk head ski mask.

Without all three of those, I would say wait for a better time/day. With those you can have a few more days of enjoyable biking. Again more important than the temps is the wind. I would suggest not riding when the gusts are above 18mph.

later