It was about 20 degrees when I left this morning. I was wearing 5 layers to keep warm: 1) coolmax T shirt, 2) long sleeve cotton T, 3) fleece vest, 4) fleece jacket, and 5) Performance commuter rain/wind jacket. In addition, I wore my skull cap, wool socks and, full-finger gloves. I left late and was slow but not that cold. The exposed parts of my face were cold but everything else was fine. When I got to the garage some lady (in her car) and the guard were chatting away-blocking my entrance to the garage. I waited for a minute then asked the guard to pick it up a little, I was starting to get cold. He replied that I wasn't the only one. My ride home looks to be only slightly improved with about a 5 degree warm up. I've also been slowing it down a little to keep an eye out for tacks on the trail. Didn't spot any this morning although others have.