Went out for a 25 mile ride this morning with a shop friend. 36 degree when I left and got up to low 40 but it was comfy. I had a t shirt and a wool sweater and some old Pearl Izumi pants on. A thin lycra baklava and some gloves and Wool socks. Felt great and my feet only started getting cold at the very end of the ride. Bring on winter...in Southern Oregon because it's perfect riding weather. Haha.