[jhynesrockmtn]

When I've cycled in the cold, it was always my feet, head and hands that got me. I usually had rain proof pants and jacket. You have to keep your upper body warm or you are toast. I've used shoe covers and plastic bags on my feet. Good gloves obviously. I've used ear covers and a skull cap. Bald dude here so no hair to keep my head warm. I decided long ago that if I need a balaclava on a bike, it is too cold.