I DO NOT UNDERSTAND...how you guys up north do it!!! It was 46 degrees at my house in Okeechobee, FL this morning (which means a 90%+ humidity level) and I about froze during the first few miles of my ride to work. I even went back into the bedroom and got an extra layer to put on under my jacket. I had on a long sleeve tee shirt, cycling shorts, tights, a short sleeve jersey, a thermal style long sleeve tee shirt, my nylon shell wind jacket, full finger gloves, a beenie hat, my helmet, glasses and such. The first two miles, with the jacket zipped tight to my neck, I was COLD. After that, natural heating took over, and by mile 5 was considering stopping to take the thermal tee off. But it was just another 3 miles to the shop, so I kept going. I used to live in Michigan, I remember the cold, but I don't remember anyone commuting on a bike in the winter.

Tractor Tom in Okeechobee