It was also 28 degrees in Southern Indiana when I left on a 50 mile ride yesterday morning . Beautfull sunny day. I had my Gerbing liner, gloves and insoles on. It’s surreal to ride when it’s really cold out and be perfectly comfortable.
We are pretty lucky in southern Indiana, we usually don’t get a lot of snow, just cold. I was only off the bike for six weeks last winter. Normally it’s less than that.