I can do upper 20s with a longsleeve smartwool shirt and raincoat (~30 minute ride). If I am feeling pretty cold, or for mid 20s and below, add a short sleeve smartwool shirt below the longsleeve one. Mid 20s and below, pull out heavier gloves, also hat w/ earflaps instead of baseball hat. I just got this, looking forward to trying the facemask (my facemask is black, not camo) when it gets to the teens. Saw a bunch of facemasks on the trail today (38F), but they start appearing in the 40s. I save mine for when things get more dire...