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Old 01-06-11, 08:06 PM
  #6  
gecho
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Join Date: Sep 2010
Location: Canada
Posts: 1,528

Bikes: 2009 Trek 520

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My stomach gets ice cold when cycling in the winter, even on my 1 hour commute. Rather than wear an additional layer I've been wrapping a scarf around my stomach, on top of my base layer and below my outer layer.
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