Same here. After switching from a Sportster to my 2017 650 I was surprised how warm and even dry (for shorter rides in the rain) I stayed due to the tank protecting my knees amd the Givi windshield. I added heated grips, hand muffs, a heated vest and with the right clothing it’s quite possible to ride in sub-freezing weather, especially if you keep it under an hour.Best wind protection of any bike I have ever owned so it is all perspective.
First gen 650 with handguards, heated grips and Givi windshield. Core and hands stay warm and even legs with good pants.
I use a heated vest if longer rides or really cold.