Flcruzer:
You're giving us Floridians a bad rep
I rode to work yesterday in record low temps for the area: 48F (dew point was 42 degrees F). Wasn't bad at all. I had on gloves, my lined riding jacket, FF Helmet and jeans. At 65 miles an hour, 48 degrees feels like the low 20's, but when I would stop at a traffic light it felt very warm by comparison. The windshield kept the wind off my chest and neck, but my hands did get a bit cold. I encountered only one other rider on the way to work and he gave me this hearty wave...or maybe he was just trying to get blood circulating in his arm..? Usually I pass 20 or more bikes.
One thing I will say for sure -let your bike warm up for 5 minutes before you ride. My oil pressure gauge was pegged at 50 psi when I started it up and it took a while for it to get down to normal levels. And my bike stays inside the garage at night.