You are INSANE!!!! Do you use those toe warmers you can stick in your shoes? I know those help keep my toes toasty warm on cold days. Although I don't ride when it's below 50 these days.

And COLD. It was ~10F when I started. My water froze in less than an hour. My toes hurt so much at the grocery store I had to sit down until they thawed. After that first miserable hour, it warmed up, and I fell into a rhythm of pedaling and wiggling my toes. Pedal-wiggle wiggle left, pedal-wiggle right, pedal-wiggle wiggle left. (My left toes froze faster than my right toes. They were also less coordinated wigglers.)