I've pretty much figured out the rest of it after a couple winters. Basically, I've learned to use layers and vent, since it's hilly where I ride and overheating is the biggest threat. It's just that I've been too cheap to buy winter shoes and winter cycling gloves....until now. Last season I started using a balclava to protect my face and head, and that made a huge difference in my overall comfort. The only thing standing between me and hard core winter comfort now are cold feet and hands--and hopefully not for long.