As I've said before, I commute year-round in Seattle. Typical winter day is light rain and 38 degrees (F). Coldest I've ridden in Seattle is 24 degrees, which is not bad because at that temperature it's not raining. That's 10 miles each way.

I've accumulated a basket full of various layers, gloves, hats, etc. that keep my really comfortable in Seattle weather.

I've been struggling the past few weeks because it's still around 45 to 55 degrees, but starting to get wet --it's too warm for full rain gear, too chilly to wear summer gear, and if you dress for a storm in the morning it's pretty hot riding home in the afternoon. I'm often bundled up in the morning but much more lightly dressed on the way home.

In a prior life I've cycled down to 12 degrees, which was not too bad on a still, sunny day. But when it's windy and under 20 degrees it's not much fun for me, even bundled up.