We are freezing here, too -- in the mid 20's all day. Never thawed out.
Got a quick Mtn Bike ride (maybe 4-5 miles) around the suburban "planned trail network"... not the greatest, but quick and it was great to be outside. I was completely frozen at the end -- except for my hands and my upper body, where I have purchased REALLY great stuff! Now to get great stuff for my bootie and head! It's a process!