About two weeks ago I decided to start bike commuting to work. Having transitioned a little less than a year ago from a very outdoor intensive job driving an 18 wheeler and delivering food to chain restaurants to sitting in a temperature controlled office setting, I wasn't very concerned with the weather so much as I was my clothing. I knew it'd be like 15 degrees out but I also knew not to dress like I'd be standing still in 15 degree weather. I knew to be prepared for much colder temps thanI was expecting but to dress such that I wouldn't be sweating profusely under all of clothing. For me, it isn't too cold, I'm just not dressed correctly. I did however learn that my felt z85 with its slick 25c tires does not cope well with snow and ice. Now I'm in the market for a commuter that would serve me well with 25c tires of 32c studded ones but that's a completely different thread.