rwg,
a little trick i've learned with cycling clothes is when i'm making breakfast or something on a VERY VERY cold day, the first thing i do is get hot water into a pretty big pot (like to make stew or something) then turn on the stove. i put my cycling clothes into a grocery bag like you'd get at vons, hang it above the pot, and do what i need to do...brush teeth, shower, pack clothes, etc. bike ready to go, shoes ready, everything ready, minus clothes. (even the dog's in the crate). i change into a set of hot, but dry (thanks to the grocery bag) cycling clothes. with layering, it's usually enough to keep me warm until my body warms up and metabolism keeps me warm.

melloboy