Windchill at 12 degrees F this morning (probably colder on the downhills). Coldest I have ever biked in Southern Missouri. Wore a dryfit T-shirt, a columbia omnidry mid layer, mountain hardware tech jacket (windproof) outer layer, mountain hardware airshield stocking cap under my helmet, and Pearl iZUMi gloves rated for 40 degrees F (on the bottom I just wore a pair of cheap bike pants and shoes). Needless to say, the only part of me that was super cold was my hands (and they were freezing). I never thought I would need gloves rated lower than 40 degrees F in southern Missouri, as my commute is only 15 min!!!