I don't commute in the rain. It's 22 miles to work (The bike and I ride Caltrain most of the way home and enjoy a short 5.7 mile ride home). I see no reason to ride in the rain, be miserable and arrive at work soggy. I see no reason to be a masochist. I will walk the 1 mile to the train station in the rain because I can stay dry.

It's getting cold and I still trying to find temps that my feet (toes actually) start getting too cold. They are great wind detectors. If I ride with a tail wind, toes are fine. Headwind? Man oh man do they get ice cold! I have new winter cycling shoes and it's time to "bring it on". They are a size bigger than I wear so I can stuff lots of layers of socks. I'm going to figure out how to get some heavy duty wind protection for the toes. Some really thick outer layer of wind bloc toe warmers.

I am good down to 37ºF. It rarely gets colder than that here, so I haven't been challenged to find appropriate layering solution.