Just back from a couple of hour ride.
It was hovering just around freezing ... and I felt like I'd been teleported to Maui
We're up at a mile high, so ... whether or not the sun is out makes alllll the difference in the world.
A couple hours at 0F or below is pretty darned pleasant, when it's sunny and calm.
OTOH, 35-40F can get downright miserable when it's totally overcast and the wind is whipping off the Front Range of the Rockies.
Never a dull moment....