Rode to work yesterday morning - 62 miles at 33 F. Used my snowmobile pants under chaps and my normal cool weather jacket with the snowmobile gloves. Was a GLORIOUS ride. But we have had our couple bouts of rain to wash the salt off the roads, and today, its scheduled for some higher winds and rain, despite being a little warmer today, I drove in with the jeep rather than my RSTD. Mostly as I know it wouldn't be fun dodging tar snakes with the wet and wind today.
On the other hand, last month we had a few days of -30 F to -20 F and I saw a imo 'crazy' (or is it 'death wish'?) - biker out on the road in that with enough snow on the ground my jeep was complaining.
As many before said, cold is relative to your experience and I must say comfort to control ratio - with the proper gear cold isn't much problem for the bike or you, but you have to think out your gear vs the conditions with the speeds you will be going.
Wind chill from your speed is just as bad as anything else. My .
JB