I guess for the girls in colder areas this doesn't seem cold but I guess its really what your body gets use to. If winters are normally mild then this would seem cold.
Its 34 here at the moment with plenty of snow lying around and that seems pretty cold to this little Aussie.
Enjoy your ride Snap I will think of you when I venture out on my MTB this afternoon.
The most effective way to do it, is to do it.
Amelia Earhart
2005 Trek 5000 road/Avocet 02 40W
2006 Colnago C50 road/SSM Atola
2005 SC Juliana SL mtb/WTB Laser V