Originally Posted by
AllWeatherJeff
Ride 30 miles from home with a generous tailwind on a sub-freezing day. Then stop for 30 minutes to repair a rear flat tire. Now turn around and ride 30 miles home into the headwind. Now that your body has cooled down after the prolonged stop and the sweat trapped beneath your winter layers cools your body further still, you will very quickly become a believer in windchill.
That's true with or without wind (been there, done that).
I ride with Merino wool for this very reason, it's better at keeping you warm while wet.
Reference pic in my post - I'm experienced at riding in *real* winter conditions (please don't think you need to school me).