My friend Marc convinced me that it'd be a good idea to do 20 today, despite the temps and winds. For me that meant 35 since I rode up to meet him rather than drive. The temp reading on the Garmin is way high, so I included the local weather graphic from Garmin's site which is much more accurate (temps in the high 20s, wind chill in the mid teens). Other than frozen toes it was a great ride.