I have to admit I'm a little scared to ride solo in the cold/wet combo. I broke a spoke on a cool night and just sitting there for 20 minutes for my mates to come back and get me got me pretty chilled. So I'm afraid of what could happen if it was really cold and wet and I had a some type of serious mechanical. Hypothermia can set in very quickly. Glad you are ok, other than the cold. Hope you feel better soon.