Thanks Nancy and Roadraven, you make me feel good!
Yes, 31F is just below 0C. I admit it WAS cold. It wasn't so much the temp as the fact that we were out there pumping up and down hills for almost 4 hours.
I started out feeling cold, then I felt "less cold", fairly comfortable for the middle third of the ride, then I guess I lost steam and hands and feet got really cold. Also the sun was lower in the sky and wasn't warming us anymore at the end because it was behind the trees or hill line most of the time. I had a red face in a perfect circle shape that coincided with the edges of my balaclava! And my eyeglasses got realy cold and were giving me an "ice cream headache".
DH didn't seem to think much about it- he's always so much warmer than me- (like sleeping with a 6 foot long hot water bottle!)

I know there are lots of women out there riding under WAY colder conditions, and in the ice and snow too, but I'm new to this and all my life I've avoided exercise and being outside in the cold, so I feel good about being able to do this at all. Thanks for your encouragement, it means so much to me.