I've been riding the tempreature ( in F) for each of the last 3 days ... 28, 29, and 34 miles. The wind was 15, 25, and 10 mph each day. There is a light dusting of snow in the corn and bean fields. My riding outfit includes leg warmers, riding shorts, underarmour shirt, thick jersey, a light fleece and a windbreaker. I wear an ear band under my helmet. The outfit is good for 3 to 4 hours riding down to 20F to 25F, except when the wind is over 25. It helps if I slow down to decrease the wind effect of wind chill. I also spin a little faster to stay warm.