We did the usual 6 mile round trip to church today at 10 degrees Fahrenheit (-12C).
Soon after we left the house, she took off both her hat and gloves. Half way through the 25 minute ride there I asked if she was warm enough and she said she was. When we arrived, I checked her ears and hands, which she had done nothing to cover. Her fingers were warmer than mine, which had been under two layers of mittens!
I already knew that the weather canopy works likes a greenhouse, but the insulation effect is even greater than I suspected. Even on our coldest days it appears to be warm enough for a child to sit under comfortably for trips around town.
( We only rode down this snow-covered bike path long enough to take some photos. )