One of my cycling buddies and I were just talking about this yesterday. The coldest I've ever been was getting caught out in a hard rain and the temps were in the low 40's. A front came through and the temps dropped 6-8 degrees and dumped a bunch of rain on us. There were 4 of us and noone had any rain gear-we thought we could get in a ride before the front came through but it was ahead of schedule. We were about 2 hours from the house and thought about calling for someone to come get us but we slogged back in. It was awfully cold with the breeze from riding cutting through the wet clothes-but even worse when we stopped at a store. I still recall putting back on the layers of wet clothes and starting riding again. Our skin was beet red-I remember jumping in a hot bath for about an hour when I got home. The wife made me take off my clothes outside in the garage......
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Ride your Ride!!