If there is zero wind, when riding a bike 20 miles per hour, a person feels the cold plus the wind. I believe this is called “wind chill”. The faster you ride your bike to engineering school in the freezing, freezing cold, the more it hurts. My fingers were killing me.
I decided to do something about it. I invented the Coffee Tub Bike Wind Protection system. 
I’d give the effectiveness of this system a 3.0 out of 10. I ended up buying waterproof glove covers designed for motorcycle dudes/chicks for $9 on Amazon and they are zillion better.