Hello, you penguins

It never freezes here in wonderful Chile, but IMHO, wind chill is not a problem unles it's raining and you are not wearing proper rain gear.
I wear a heavy leather jacket, leather pants (not chaps, real jeans-style leathers), long johns under them, wool socks, heavy Russian-style boots, and leather gloves over knitten wool gloves, and a full-face helmet, sometimes with a balaclava... BTW, all my leather is waterproofed in early fall with horse grease, 3M spray and shoe polish. Works great so far.
It's 23°C out there and the sun is shining and we have a nice breeze, gotta go to the bank... riding

take care,
RW