The only problems I ever have are with my fingers never getting warm and wind blowing against my neck and cheeks. The balaclava solves the face problem, but just short of wearing three gloves my fingers never get warm. I also wear an extra pair of socks and keep my pajama bottoms on underneath my pants or I will wear my rain pants over them.

My bicycle seems to have problems too. It does not like to shift into any gear and it gets hard to pedal sometimes as if the oil and grease froze to the moving parts.