When a co-worker tells me about wind chill, I reply "Wind chill is for wimps." When I look at the temperatures in the morning, I choose my gear according to the temperature only, since I figure that just riding the bike will produce a wind chill, and that effect will be determined by wind direction and speed, so I just "go with the flow." In the summer, in the 80's and 90's, wind chill is our friend ;-)