i did a quick 50 mile blat not far from cov
seemed pretty warm to me.
saying that ive been out before on warmer days and the cold has sudenly hit me, i think a lot of it is down to fatigue (ive had about 5 go's at spelling that)the tireder you get the more you feel the cold.
the only cure seems to be a bacon butty and a hot tea.
as for weather your a girl or not i think there are ways of telling though im not sure of the exact technicalities
god my spelling!!