I had my 5th commute this morning. People keep asking me if I'm cold after I get to work, but the truth is, I'm not! I think 38-45 degrees is PERFECT for a bike ride! I'm having enough of a workout that I don't get cold, but it's cool enough that I don't get hot. I love it! I'm going to try to get as many rides in at this time of year as I can.