i wear a down jacket with vents under the arms, a ski mask, and gloves. jacket gets too hot after a while and i just open the vents, if its still too much, i open the jacket from the top and bottom a little. If you want more winter riding tips, go to icebike.com it has tons of info on winter biking and that is partially how i got so good at it besides the fact that i have no car so i have no choice. i do like the crazy looks and questions i get when i ride all winter though.