I just tried another ride. It's 40 out, so not too cold. I thought. 'Course, I'm used to walking. Now I get it. 40 is a lot colder on a bike than on foot! With a light wool layer under windproofs, torso was not the problem. Also fingers were fine in windblocker fleece mittens and ears were fine with a fleece hoody under the helmet. But the knees ached, the toes ached, and I got a splitting headache from the cold on my face. That last one was what convinced me to head home. I was only out there to remind myself what fun I'd had last time, not to do a punishing workout. So I turned homewards while the cold was still an adventure. Dunno if I'm up for a balaclava. Might feel a bit claustrophobic in one. So I guess it's spin classes for the rest of the winter, unless we get up into 50's again.