We have been at CC the first week of December and the last week of November. We are from CT so are pretty used to colder water/temps.
Both times it was very breezy (sometimes down right windy) but the sun was warm when it was out. It was definitely cold when you were wet, but we still went in the water and tried out Pelican Plunge.
If you aren't planning on being in the water the entire day, you will be fine, and it will be perfect for biking.