I am not giving up riding time because it gets cold, and I am further north than Ron is, so please don't have me knocked off, we do have some cold here, believe it or not. I invested in the kit to let me be comfortable in to the 30s, the winds do pull it lower, but once I start, I find it hard to punt and lose a ride. Good tights, layering, an Underarmor balaclava and compression tops, as well as some good winter socks do the trick.

Best thing I snagged last year are my Cannondale 3 season gloves/mittens, if I can keep my feet and fingers warm, I can make it. I spent too many years on job sites, regardless the weather, we didn't stop for cold, so, I am enjoying riding year round, thankfully.

Bill