We just returned from a lil round robin ride with the temps registering in the lower 40's, its really is kinda nice that upon our returning home that there were no bugs to clean off!
My rule (when I had a job) was “ if it is forecast to hit 40 in the day then I ride.” Several times the Weather Chanel was wrong and it didn’t hit 40. Also, it was around 30 (or below) when I rode to work or home. A bit brisk but I was riding!
HeRSling rode to work many times at 20-30. Fresh air is good for you.