Stapfam, I still have time. it will be in the 90s all next week. I have a Century the week after and I expect the weather to be about the same. I don't expect much of a break till November. I hardly ever ride in the rain so I only have to worry about cold for a few weeks a year. Medium weight base layers, shoe toe covers, long finger gloves, Belaclava and a wind breaker and I am good to go. If it does happen to drop to freezing I stay home till it warms up. Winter riding to me means changing from Vittora Pro slicks to Gatorskins and more time on the Klein.