Today's commute clocked in with a 43 degree windchill. That's Kentucky weather for you. I took this exact same shot on Tuesday in shorts and a t-shirt. Today was full on gloves and warm jacket.
It does feel great, though. I prefer riding in the cooler weather like this. You can control your temperature with the right garments. This morning I wore the warmer jacket and unzipped the front and arm pit vents as I got warm. It felt perfect the whole time.
Now is a great time to start experimenting with bike commuting if you never have. The weather is so nice for it.