And I too thought the same thing. Perhaps the rider is from Bermuda or someplace where 32 degrees is a crisis. I'm not even sure if I could breath with all of those tops on at the same time.

It turned out being 12 degrees this morning and I had on two layers, top to bottom...actually on the face and head only one layer and I went with glasses instead of goggles. I was fine and actually a little warm at my neck where the balaclava and jacket overlapped, until I opened the jacket to get some cooling air going. For the ride home I dropped the balaclava and entire base layer. Beautiful commute but pretty dern cold for Colorado.