When I had my paper-route in Wisconsin, I had clothes I wouldn't wear unless it was below 0 F, because it was too warm to wear. Two pair of wool mittens with leather outers was on my hands, two wool scarves, one around my neck, one around my mouth and nose (over a army surplus winter mask), a wool USNavy watch cap, hood over that....layers and layers and layers. When you are biking at 20 below....it DOES get chilly!