Today was my first REALLY cold ride. 27-degrees F, with a 12 mph headwind (wind chills were 15), brilliant sunshine (and sun glare). I had 2 very thin base layers under a long-sleeve jersey and a pullover that I just got from Performance yesterday (for $59). 2 pairs of cotton socks, neoprene booties over cycling shoes, leg warmers, a balaclava and Gore gloves. 11 mile commute into work, and my only complaint was slightly cold toes. It was a great ride!