It does get old though...doesn't it, Pam? I used to hear it daily when I was a long-distance competitive runner. "You're going to run in this weather?!" (insert any kind of weather imaginable). And like you, I get the same thing when I commute to work on my bike. I usually tell people that I am not cold at all. In fact, I'm sweating and happy! And they are cold and miserable. But I agree with the other posters - a quick (and cheerful), "Yep!"