I've been riding early mornings because too many things are going, pre-winter repairs , leaves and too many kid's activities. Here in the high desert, I start my ridesfrom 12 to 20 degrees F. On the weekdays I start 5:45 and done by 7 or so, on the weekends around 9 where it could have warned into the 30 but probably the wind has picked up too. Had a short ride today because even at 20 degrees the wind is about at 12 mph. I just use a Walmart/Target base layer, a spandex tight for the legs, base layer, long jersey and a thin shell for the top, regular socks and booties, kevlar glove liners (from a gun shop -- sometime I add some latex gloves too) and long finger gloves, I don't even use a baclava but cover my ears. HTFU and stretch before you go, some green tea and you're good to go.


But I have gone lower even sub zero using and would go up snowed trails using the MTB. I have ridden the road bike when it is snowing. I commute everyday so I just deal with whatever but I am lucky to live in the high desert now, last year I rode through 12 snow days. I still have my Vermont/Minnesota tolerance plus use my skate-skiing gear (really good tights) when it is really cold.