The question appears to focus on the meaning of 'wind chill factor' and how it relates to comfort.
Keep in mind that wind chill eans nothing other than the evaporative effect of wind moving over the surface of your bare skin. A breeze blowing across bare epidermis will cause the moisture on the skin to evaporate, which is the same effect on a much less effective scale than how your refrigerator works. The temperature can be (here in the U.S. and other Fahrenheit centric countries) say 70 degrees(F) and yet it will 'feel' cooler than that if the wind is blowing and you have shorts and a tank top on, whereas that same actual air temperature will feel comfortable dressed the same way but with no wind blowing.
The same effect can be caused by riding a bicycle... needn't be the actual wind blowing.
The actual mathmatical conversion of calm air versus wind chill is fairly convoluted, but here's a simple conversion app...
http://www.onlineconversion.com/windchill.htm