Have been riding in 30 and 40 degree weather a few times a week. No snow here yet in Southern Maine but it will be here soon enough. Have worn a silk undershirt from LL Bean, light cashmere sweater over Polypro shirt and thin wind jacket over that. Also, tights and riding shorts. Not uncomfortable but on the other hand the often grey skies and somewhat lonely roads are not as attractive as summer. Brought the Fuji into the basement where I will set up the trainer for the winter. Last year had it on the side porch but have not weatherized that this year with plastic as I have in the past.