* 57F, persistant rain and 10-20mph headwinds.... The cost of my rain-resistant wind/breaker ($50) and water resistant panniers ($50)
* making yourself visible to cagers... The cost of my safety vest ($20) and Cygolite Night Explorer ($130).
* Knowing that you just bagged another commute in spite of nasty conditions... Priceless!

GreenAnvil