Originally Posted by Rerock

Head, face, hands, feet, torso, accounted for.

Above 15 degrees, jeans/chinos under Marmot rain pants is warm enough for my 8 mile ride to work. Single digits, this set up does not cut it after about mile 3.

I have smart wool long johns I can throw on as well, and that would probably be warm enough, but I usually cook sitting in my office wearing them all day. I could go in the bathroom and take them off, but I really don't want to have to change every morning/afternoon if I can avoid it.

Does anyone simply use insulated snowboard pants with their jeans? I suppose Carharts would fall in to this category as well; not my style though... I like the idea of that set up, but would like some feedback before I drop a couple hundred bucks on some nice pants.

I ride 2.1" studded tires with low air pressure, in my office attire (business casual), so I just ride as fast/hard as i can without overexerting and getting sweaty. However, this usually means my legs don't generate as much heat as they could/should.