WOW! The number of replies has grown so much over night!! Thank you all so much for your sound advice

So, there are some cyclists who have taken this idea elsewhere. I am not a real hard core cyclist yet. I am not sure at this point, how often I would be out there riding my bike in winter so before spending hundreds of dollars on those expensive winter clothes, I shall try the cheap trick. As Maxine said, I shall find my torelance this winter and go from there.

annie - any particular brand (s) and / or type (s)?

Thanks again!!

July