I thought I had seen everything, until I saw a NEW YORK TIMES ARTICLE on the surfers of Lake Superior. Check out the photos HERE. I won't pass judgement on these guys, as I have biked in weather like this. I will, however, leave you with this, from the article:
“It’s warmer in the water,” said Markus Barsch, 21, a tree trimmer from Ashland, Wis., and one of a dozen surfers who had shown up to shred on a 20-degree day.