Join Date: Feb 2006
Location: Milwaukee, WI
Bikes: 2006 Kona Jake, 2005 Giant Lite Xtracycle, 2004 Trek L200, 1997 Specialized RockHopper FS, 1989 Trek 950
I've been thinking about how to respond to this one. My first response was along the lines of "check your pulse", but in all seriousness, it depends on your ride and conditions. Given your location, I can only assume you have a short and/or leisurely ride where you don't generate much heat. If that's the case, normal winter clothing is probably appropriate. If you are truly just cold blooded, the soft shell suggestion from Jarery is a good way to go. Make sure to keep it breathable, or you'll be soaked in sweat.
Nothing says "in good times and in bad" like a good pair of fenders