I put on my leather jacket, a neck warmer, and some decent winter boarding gloves (semi-leather palms), and the ride to work was fine. I had hiking boots on, my feet got a little chilled.
Most of the ride was on C470 (highway) and the average speed was probably 70 - 75Mph. I didn't really notice any windchill, and the improvised neck warmer (my wife's 'earband' pulled down around my neck) kept a lot of cold off.
All in all, when I got to work, I was in good shape. Hands were not too cold, feet warmed up quickly.
I will still get some more winter gear, especially some good riding gloves and some handguards, but is nice to know I can go out for a spin in cold weather and not turn into a popsicle.
That first right hand turn out of the neighborhood, on cold tires and cold cement/pavement, woke me up. Tires didn't want to grip very well