I almost only commute, 8 miles each way, and today I rode in in -10, -11 deg C, that's 12-14 deg F. And I wasn't cold at all - a single layer of good quality thermal underwear, shorts and AmFib tights, Gore softshell jacket, wool socks, regular shoes and neoprene booties. Most important was a windproof helmet liner, a Buff over my nose and big PI lobster gloves.
But the snow was H*ll! It was liberally mixed with salt, so I had this awful slushy mixture all over my bike, packing up my chainring and re-freezing... I could only use the 3 or 4 largest rings in back, all the smallest ones were clogged. Snow is worse than cold.
But I know Geonz is way ahead of me in the cold statistics - come on, Sue, pipe up
Winter riding is much less about badassery and much more about bundle-uppery. - malkin
1995 Kona Cinder Cone commuterFrankenbike/Selle Italia SLR Lady Gel Flow
2008 white Nakamura Summit Custom mtb/Terry Falcon X
2000 Schwinn Fastback Comp road bike/Specialized Jett