to all, I did it, it was 15degrees out this am and sunny. So after reading everything everybody wrote, my changes were I wore a leather sneaker with fleece socks, and wool socks. I wore a scarf around my head and face with the headband. I wore a heavier glove. My hands were cold almost from the outset, and my feet got cold about four miles away from work but big deal. I had a great ride!! thank-you to everybody for your help.