I agree with Jayee. Compared with 80F, I get somewhere between 20-30% less range at 32F. Even the the added clothing is a small part of that as it increases the cross sectional area.
If my tires are low ... like down to 20 psi at 80F, they're down around 10 at 40F. The other day I took out my fat tire bike around the block in cold weather, and the tires were so low, the bike self-steered itself into a turn that was 8 feet wider than intended, Whew, no cars, as I crossed into oncoming.