I cycled into work this morning. Left house at 8:00am. Was well wrapped up in good quality riding kit so was actually quite warm.
However, it's not the way the cold feels that concerns me. I had a few "moments" on the way in this morning, ice related ones. Never actually fell off but was close on one particular ocassion about 12 miles into the commute.
Metcheck says tomorrow my local temp will be -3 but in the "Feels" column ( I assume thats a windchill factor type thingie ) it says -7 for 06:00-08:59.

It was a lot warmer than that this morning.
However the Met Office forecast says -1 and sunny. Who do you believe?!!??
On top of that the Met Office have issued a severe weather warning for Central Scotland saying because of the rain this evening, tomorrows low temps will result in widespread patches of ice and dangerous driving conditions.
Think I will get up at my usual time if I'm taking the bike - 5.30am and have a look outside. However I'm seriously wary of going in on the bike tomorrow because of all the rain that fell tonight here and the minus temps being forecast.
Sometimes I am so desperate to get out on the bike at this time of year that I throw caution to the wind but it's certainly not always the best idea and as much as it pains me, I might end up taking the car tomorrow.
