It is something I'd pay attention to when I do my lunch runs at work though. Eastern NC can be windy. A run at 35 deg and not much wind is shorts and a long sleeve t-shirt, no hat. A run at 35 deg and solid wind changes things. Hat, gloves, run tights, then depends on run pace the amount of layer/blocking happens on the upper body.
But on the bike, yes. Obviously given the constant drone of wind it's different. Especially different though when I ride slow hilly gravel in winter or take the TT bike out for a roll. That's a delta of nearly 10mph in average pace between the two. So I dress differently there also. Even 50 deg F on the TT bike can feel quite chilly if not well prepared.