I enjoy this thread. I've slowly been lowering the tempterature I feel comfortable in. I'm down to about 30F. Much colder than that and I can get pretty frosty. Smartwool undergarments help. Still working on how to keep the feet warm. I wear wool socks and neoprene shoe covers, but as a bent rider my feet take the wind straight on.

I'll probably ride tomorrow, in temps of 25-30F. I'll be proud to get 20 miles in. If I wasn't such an addict to this stuff.....