I carry a thin windreaker for those brutal 47 degree mornings in January. Florida winter is a dream--low 50, high 75 and NO RAIN for about 5 months. Makes up for the humid, rainy summers. I just wanted to make you feel bad, not much help here. If I can remember my time in Ohio, something about layers, and not licking metal. Probably not a good idea to lick your bike, unless it's carbon.