So, I was riding last night and it was quite nippy in Sydney. Even with decent goretex winter gloves, my fingers were quite cold and numb by the time I got home. This morning as well, was very chilly. Anyways, when I looked up the minimum temperatures yesterday and today, I found that it only went as low as ~10 degrees at the lowest. I didnt really think what I had experienced was anywhere near as "warm" as 10 degrees, so I did a bit of research on windchill. Found the following page on the BOM website: http://www.bom.gov.au/info/thermal_stress/#wc They have conversion tables as well. For example, 10 degrees ambient temperature with 60 kph winds is equivalent to -3 degrees, and with 80 kph winds it drops to -7 degrees! And that's assuming there's no actual wind adding to it. Humidity also has a marked effect. Anyways, just thought I'd share because I found this very illuminating.