Nothing like that! 29F when I left this morning. Supposed to be 20-22F in the morning. I'm probably gonna draw the line in the high teens. I can ride that in jeans and my regular work shoes. I only add a long sleeve cotton tee over my wicking base and swap to the ski gloves below about 25F. Much below the high teens and different attire would be required. I don't feel it's worth the hassle for a 6.5 rt commute.