Almost every morning - weil, maybe 4 times per week, I leave the house, ride for an hour and one-half+, stop at McD's for a fruit and yogurt parfait and a burrito with hot sauce, ride to the outdoor pool, swim for 45 minutes, and ride back home - or perhaps do another loop if I have time. If I do ride another loop, then I generally ride directly to a restaurant somewhere and meet my wife for lunch (while I am riding, she has been doing her swimming lessons and aquaerobics).

It works great for me.

(When I start out about 7 am, around here it is chilly, and I usually use arm warmers and sometimes a light wind breaker, both of which I shed along the way)