This current cold snap is just stupid, with lows below zero (F) almost every morning. I wouldn't try bicycling to work. Even with proper clothes, you lose dexterity and range of vision. Even though we're good for a couple of sub-zero mornings each winter, I find it amusing Target doesn't sell ski masks or any face protection at all.
When people complain about 100-degree heat in the summer (central U.S., we get all the weather), I tell them I would take 100 degrees over 10 degrees (F) any day of the week.