This was me. Will stick around for a longer chat next time.
Belated spot. Last Wed, battling against the wind down the A200 from Rotherhithe to Greenwich. Nice chap on track bike begins conversation at Surrey Quays:
Nice chap: "Windy!!"
Me: "Yes, windy"
NC: "I need to put on my winter gear"
Me: "You look pretty wrapped up to me"
NC: "Nah, I mean my winter gearing, change my cog"
Me: "Ohhhhhhhh"
This was me. Will stick around for a longer chat next time.