Annie and I rode this morning our regular loop. The temperature when we left was 43 degrees and I'm sure the wind chill at certain spots was much lower. We were not quite dressed in full winter gear, but each day we seem to add another component. Today I moved up to winter socks, long gloves and double fleece on top. But it was a fine morning with bright sunshine (on the way home. It is pitch dark for most of the ride.)
Below is a picture from the Brompton World Championships that I took from Bicycle Diaries. They are by John Spooner and they are great. Check them out.
Visit John Spooner's flickr page