@rvaughnmd The coldest I've ever been is a few hours cycling in rain, just above freezing temperature.

Wait, no - the coldest I've EVER been is a two-hour ride in a jetboat, constant 30 mph, no shelter, driving rain and sleet. That was with literally seven layers on, too - including a waterproof rain jacket AND a parka. AND winter mittens supposedly good to -20F, etc. AND it was only in the 40s (F), not even the 30s. Still haven't warmed up from that one yet, and it's been a month now.

The VIEW, though . . .