I haven't ridden in the cold yet, and of course the "breeze" I appreciate so much right now may be a bit more problematical when it gets cold!
For several years I walked two miles early every morning with a friend. We didn't mind walking when it got cold, and this was even in the 30s before dawn. We'd get on some layers and start walking and before long were peeling off the top layers because we were too hot.
I'm just much more tolerant of cold than heat.



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