Hi, I was able to ride my bike until mid December last year. I live close to North bay Ontario, so we get a lot of snow and cold. I was never really cold biking, but gave up when there was too much snow. I was biking to commute to work, and we have about 10 miles of bike path that made up most of my ride, only about 2 miles on highway. The paths aren't plowed, and I am not ready for highway winter driving. I wore mid weight long underwear tops and bottoms from Patagonia I think, a fleece liner from Solstice, and my Invicta jacket over(it keeps out rain, wind etc). I also had a headband under my helmet, and if it was really windy, just pulled the hood of my jacket right over helmet and all. I used the lobster claw gloves, and most of the time they were just a bit too warm, soggy to pull off! I wore my winter boots from Prospector with smartwool socks, and some kind of overbootie, something like the sealskinz socks. I put very warm water in my water bottle, so was able to drink it , not pleasant while still warm !I am debating on whether I am brave enough or have enough stamina to ride thru the snow, it's not unusual for us to get 4-5 inches per snow, and it snows a lot. Am enjoying the crisp cool riding now, we are at -4 C today, sunny and the fall colors are magnificent. I live in the country surrounded by a hardwood bush, so it is probably the prettiest it looks right now. Happy thanksgiving to fellow Canadians, Happy monday to the USA, enjoy, give thanks, Paintgirl