Join Date: Jul 2002
Location: Oxford, UK or Mountain View, Ca
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I'm in the UK also. As said before, the extra insulation required depends on the conditions of the day and on the rider and the distance/ time spent on the bike. I used arm and leg warmers last winter - it can be a problem keeping leg warmers in place, though this setup was fine for my 1/2 hour commute. I also have a high visibiltiy cycling jacket, mostly for riding after dark, but it makes a useful extra layer when things drop below freezing. The downside is that it is not very "breathable". My main problem is overheating and clothes becoming damp with perspiration, this prevents the fabric from insulating properly and cold can set in. This would be a real problem on long rides.
As an aside, shoe covers are a real help in keeping one's feet warm, and plastic shopping bags between the shoe and cover are great in wet weather. No, I'm serious!
Get a bicycle. You will certainly not regret it, if you live.