this is a great post. what do you carry as an extra layers?
It's not quite as cold here. The ride home last night was about -6C. I've found three things matter a lot when cycling in winter. ...
EDIT: Riding around slightly underdressed for conditions means I'm significantly underdressed if I have to stop for more than a couple of minutes, like if I get a flat or other mechanical. I generally carry a couple of extra layers with me just in case that happens. I can't wear them for just in case because I'll soak them through.