Originally Posted by
noimagination
I agree with you. I've ridden in temperatures down to the single digits °F (-10 to -20°C), and I've skied (and sledded, walked to school, delivered papers...) in weather down to the -30s °F, but the coldest I've ever been was during a ride where I got caught in heavy rain with temperatures in the low 40's °F without a wind barrier layer. Like you, I finally made it home and got into bed with every blanket we owned, shivering violently for over half an hour.
I think people grossly underestimate how much body heat they lose to wind evaporating water even at relatively warm temperatures.
It can actually be dangerous as your level of consciousness starts to be impaired.