I've been riding a bunch of days this month where in the morning its been -25c and a bit of wind, so feels like -35c+ and using my downhill skiing goggles and even my ski helmet makes a real difference. Ski goggle makes a real difference for not having my eyes water all over the place and keeps some of my old face from freezing too.
And have thrown another wind breaker layer on my legs (old rain pants) and my legs are ok.
I dunno, I find wind chill to make a real difference, but I'm a skinny old guy, so I just add some layers and specifically wind blocking stuff that makes all the difference.