We can usually ride into late November before it gets too crazy but a few Decembers ago I think the water was 38 and the air was 40 and there was snow on the ground but no ice yet. Cold hands are the worst but dish washing gloves definitely help if you don't have a good pair of neoprene ones:

As if the cold water wasn't enough to give me a headache:
As if the cold water wasn't enough to give me a headache:
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