Hi ladies, When I ride in temperatures below 45 or so degrees I end up with a nasty cough for a few days. The cold air seems to disagree with my lungs. I don't cover my face when I ride though I try to keep the rest of me toasty. My toes get numb after 20 miles no matter what. I hesitate to invest in neoprene booties, it's just not that cold here for that long. Suggestions? Kim