I rode in this morning at 20 degrees...a lsight headwind which made it worse. My finger always take the worst of it when it is anything lower than freezing...I had mild frostbite when I was a kid so my fingers are more suceptible than the average person's are. othe than that I was fine. Was wearing old military polypro pants (thin and thick), t-shirt, "wicking" long sleeve and a Cannondale LE Jersey. I also had balaclava. again the only thing bad were my hands!