Last week I had shoe covers, new christmas mittens made out of waterproof breathable material with a fleece liner, Gore Windstopper fabric jacket, microfleece tights, Pearl Izumi balaclava, Cycle cap, and a helmet (and of course a cycling jersey). Oh I also ride a recumbent. Average speed one of the days was 19 mph, the other day it was 18mph. ride time 1 hr 16 minutes plus 8 minutes for lights. back was a little sweaty due to the recumbent seat but everything else was pleasantly warm and a little chilly in spots but not bad. Temps were 28-32 degrees.