we got a couple inches of snow last night and it is -5 C here and I just did a grocery run and was quite comfortable, the first block had a cool bite but I warmed up quickly. I have wool sweaters that I wear when riding as well as sock and glove liners. staying dry and not sweating is the biggest challenge for me rather than being could. Arm pits, feet and hands sweat a lot and you want to make sure these areas are kept dry... oh it is -2 here now, when I went out it was colder. But it was pretty easy riding.