body size matters a lot if you are a big guy you will stay warmer than a small person I am from Canada and at 20 degrees (you are talking farinhite ya) would still be in shorts spd sandles with a couple pairs of warm socks and gortex over sock light gloves longsleave jersy wool blend with a polypro underneath depending on wind a vest or long sleeve windbreaker jersy light touque or bandana under the helmet in realy cold weather for long distance touring around -30 celcius I wear many layers of wool and no wind layer military surplus stuff is great a thick wool blanket that has been washed and dried to make it like felt is great wear it like a poncho and tie around yourself in realy deep cold modern gear is useless when you sweat it up think like a tibetian yak herder. It is not that cold really, people who live sedentary lives and rush from and overheated house to an overheated car to an overheated place of work will never develop resistance to the cold ride your bike to work in winter and you will save money on your heating bill as you will want to turn the heat down whenever you get home kill your tv your car and dont trust the government