Is it because I CAN'T or because I WON'T?

So, the first COLD day has hit Duluth. The rest have been chilly, but not cold. This morning it was straight up COLD. The temp. read 2, that's it, just 2. The guy on the news told me that there was a 10 to 15 mile an hour wind coming out of the west, which put the wind chill at about minus 15 - 20. Now, my coach, which is ME, has me commuting the long way today. The "long way" involves about 13 miles directly west, with about 13 more going back the way I came. I'm no mathematician, but a 15 mile an hour head wind combined with me traveling at about 14-16 mph puts the wind chill at about a million below.

My golden rule is that any temp below 5 degrees makes riding outside not worth it. I bailed and rode the short way into work and now I'm wrought with guilt. I feel weak. I'm contemplating selling all my gear, I'm not worthy of it. How do I overcome this? Help me...help me...