Apparently, 25F degrees is too cold for me as I skipped my lunchtime ride today. I really think it would have been fine, but this is the first cold day we've had all year and I'm not even remotely acclimated! (or, that's my excuse, anyway).
Tomorrow it should be in the 30's around lunch and I'll ride then, instead. I have commuted at colder temps, but that's mostly because I had to get to work. It's much harder to motivate myself outside when I don't truly *have* to.
Once I'm out there, I usually enjoy it. I'll take a 25F day over 100+ heat every time.