Gals,

I am such a wimp. It gets down to 50 degrees here in AZ (but its a dry cold, urrrrrr!), and I get cold easily.

I took an old Smartwool shirt and cut the sleeves off. I wear it under my biking shirt and it is wonderful! I wish I could find a slightly lighter merino wool, but it does work. Icebreaker has a nice tank but its a bit overpriced at fifty dollars.

Anyway, the vest takes a bite out of the cold and with arm warmers, I am super comfortable!