tis a touch chilly here as well, but not enough to disuade a 55km ride this morning, clad in 1 merino wool top & a waterproof, OK I had winter cycling tights on, socks, hiking boots & a small buff + winter gloves as well - spoils the picture a touch but I try not to overdress for the cold. wait til the summer then you'll be getting the "its too warm" from me

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I tell myself it is not as bad as I think, it will get warmer just as soon as I get to the end of my road. Then the only way is up. Some of the early descents were a touch cold though - especially the one I got up to 55kph on... my OH did remark that he was glad he had put is tights on rather than his shorts.. somewhere around 0C here and snowing on & off yet again. dry though with little risk from ice.
Keep planning your coffee stops, spring is around the corner so a little bird tells me as it sits 1m from my open bedroom window each morning...