I'm in MA too, and will be up in ME on Friday where the temps are supposed to be slightly lower. As Mimi says, if you can ride in 20 degrees, you can ride colder.

I do suggest a face covering for sure, toe warmers in your shoes, and as suggested, possibly ski goggles over your glasses.

Stay safe, and stay warm!

SheFly (who will likely be out, snowmobiling or skiing or riding in said temps)