All in all, not too bad. It was about 16 degrees with a headwind when I left this morning. I wore 4 layers plus my skull cap and heavy gloves. Fortunately I packed my balaclave just in case, and stopped at the 7-11 on Mount Vernon to put it on. I went inside and assured the clerk that I wasn't about to rob him, I think he understood. The rest of the ride was fairly comfortable but I should have goggles over my eyes as my right one likes to freeze up in these temps. Should be a little more comfortable on the ride home.