Originally Posted by Moto-Velo

It's when the temperature drops into the low 50's and it rains hard for maybe a week.

In anticipation of those intimidating conditions, I got a new jacket at REI recently. They had them for 25% off and I couldn't resist. I also got a pair of seriously kick ass wool knickers from Swrve Cycling.

I'll probably throw the fenders on when it does rain, but that probably won't be until January.