Tom,
Not thinking wind resistance as slow as I am.

I'll wear an old USMC sweat shirt or field jacket if necessary

I found some Cannondale arm warmers at Cycle Sport of Pensacola that they recommended. I am going to try them out. Back to 27 at Pensacola International tonight so you and I will probably close to 23-24 up north end like we are. Warming up for the rest of the week though
Bill