I commute on my bike all year long and the cold has always been an issue when riding. I know, you idiots in the yankee frozen North are shaking your head and saying to yourselves, "What the heck is that pansy whining about? We got 10,000 feet of snow!" Before you start whining, just think about 3 months with temps of over 100 degrees. You yankees would be dropping in the street. It's all about what you are used to... Anyway.... Last winter it got down to 13 degrees for my morning ride and I vowed to find something that would be: A) Warm B) At least water resistant C) Not so bulky it makes riding difficult D) Would not melt on the hot cases E) Abrasion resistance so if you do lose it on an ice patch you are sucking. I think I found the right setup, finally. Not perfect, but if I wanted to be totally separated from the elements I would drive my car (or a Goldwing) I went riding this morning with temps at a crisp 34 degrees and was comfortable at 80mph on the freeway. Jeans Long-sleeve T-shirt Carhartt "Extremes Arctic Quilt Lined Coveralls" ($150 on line) Waterproof boots Gauntlet Gloves Glove liners Scarf 3/4 helmet I have tried several types of coveralls and these are the first, non-ski-suit-melt-to-the-pipes-and-your-leg coveralls I have found that are windproof. There was a little bit of leakage at the chest where the slipstream coming over the top of the bars hits me, and a little bit at the leg cuffs, but not bad at all, though the cuffs could have been because I did not snap the bottom snap. The boots are just generic water-proog rancher-style boots that I wear all the time and the gauntlets are some cheapy lined ones I picked up a long time ago at a show for $20. The scarf keeps the cold air from coming up under the face shield on the 3/4 helmet. The only bad thing is that it was warming up rapidly this morning. By the time I got back, it was between 40 and 45 and I would start to sweat at stoplights. This is NOT a suit you want to wear unless it is really cold out!