Thanks GoJohnnyGo, that was a good bit of info on surviving the cold.
I'm very happy about the cooler fall temps we've got here in the City, although, this summer was pretty darn pleasant as far as heat goes. We escaped August without hitting 90 degrees.
I'm looking forward to the cooler weather, and want to get myself some toasty warm pants to bike to work in, so people can look at me sideways when I say I rode in today when it's only 15 degrees out.