Today is cold for my home area with temps below freezing at 25 F. I went for a short ride to the library, 11 miles total and being a bit under dressed, I was cold by the time I returned home. After I got home, I noticed the Bristol Yacht Club was having a frost bite regatta out in the harbor after which they all retire to the club bar. Sounds like a plan to me. We cyclists are not so well organized.