I hate always being cold - And I am always cold. Went out at 4 am to ride, temp was 36, calm winds. I left the house wearing a Nike thermal compression shirt, a regular riding jersey, a long sleeved, heavier riding jersey, my new Louis Garneau thermal riding jacket, and a heavy Craftsman orange winter work coat with reflective bands. Should have been baking in all of that - my teeth were chattering a few miles into the ride. So, I went to a 24 hour supercenter and bought a ZeroXposure "puffer vest" and a medium weight ZeroXposure jacket with fleece lining. Well, 7 layers did the trick. Overkill, but welcome to my world.:big-smile: