Two good lessons there. Not quite -30, but yes, you do have to wear more than you might think on a bike. The key is windproofing. You could wear 4 layers of fleece, but the wind will cut right through it. You need that windproof outer layer.
I've been cracking my shield, too, but the bugs are gone here and I only crack it a quarter inch. That's all it really takes.
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