You've got to love balaclavas. They make all the difference. Yesterday it was 25F and 15mph wiinds during the ride. I was too warm and back was all wet. I should have opened jacket more, but last time I did that I had a red tummy from the cold and still had a moist back. Perhaps the best solution is to drop the gortex over pants.

I've found the silk balaclavas give the best feeling. Once you stretch them out, if they are too tight, you basically forget they are on. Unlike the normal foam cycling balaclavas. Don't know what's available in UK. I picked up mine from wintersilks. There's run small and must be stretched. They also have a more open design so not breathing as much thru material. Might be just the thing for gardening.