Originally Posted by
robertblake60
Is there something unique to cycling that would make this much different?
Wind chill.
Even plootering along a cyclist is creating enough "head wind" for a serious chance of hypothermia if it's not summer in TX. Add in whatever mom nature is blasting you with and gets very wet/cold/miserable very fast.
I carry a packable cycling vest or jacket all winter for day rides having been caught out more than a hour from home when that "chance of showers" becomes rain for real. Not real rain kit but it keeps the chill off. Touring for a few days in the rain I'd have full mudguards & a cycling rain cape.
-Bandera