Your post reminds me of when I lived in New Orleans. People thought 40 degrees was cold. It cracked me up to see how they bundled up for what I considered jacket weather. I will say that the humidity made it feel colder than it was.
I don't know how you even get on the bike wearing all of those clothes. Maybe if the weather settles down, you will get used to the cooler temps. I do wonder if you are wearing too many clothes and making yourself sweat, which then makes you cold. For example, a couple weeks ago I went riding in the high 30s. After about 25 miles, I stopped at a cafe and got some hot chai. That allowed my sweat to cool, but not dry. When I got back on the bike and the wind hit me, I was freezing.
Limewave, toe warmers in the bra? I never would have thought of that.
I stand and rejoice every time I see a woman ride by on a wheel...the picture of free, untrammelled womanhood--Susan B. Anthony