Winter is on its way, but at this time of the year you often step out of the house with not enough protection in terms of warmth. Outside it looks bright and sunny, and based on the previous day’s temperature you don’t think that it will be too cold until you are then, to your horror, exposed to the wind and the wind chill factor.
It is amazing at how much the wind can reduce the effective temperature so what you are seeing on websites or hearing on the radio and what your are experiencing are two different temperatures altogether and certainly on these cold windy days I would much rather be putting in 12 hours in the office than being on the golf course for 4 hours when it can be truly unpleasant!