LOL Exile. Funny you should mention Florida. I recently moved to north west Ohio from Florida, and this is my first real winter in over 20 years. I am actually enjoying winter cycling, and am holding up pretty well against the cold. It is in the 20's mostly here this winter. I am sure I have to bundle up more than most of you until my body gets used to this climate. I am going to go with down filled ski mittens with leather palms.I found a pair on line I am going to order. My hands are the only problem. They don't just get cold...they freeze! I noticed the winter cycling forum and have been reading it as well. Thanks so much for all the suggestions.