I am bringing this thread up again - b/c even though I've gotten gung-ho, and layered up - gone on a ride in the (almost) cold...I was pretty frigin miserable.

Maybe you all can help (this will be my first cold season of cycling).
I listened to everyone's advice - and resourcefully - pulled out my snowboarding undergarments (translation:long underwear) out of storage (translation:under the bed) .
Wore the pants (though I was worried about the crotch seam) under my light chamois she beest shorts (both black, so not so ugly together) and then my L/S shirt under a sleeveless jersey.
Also wore a headband to cover my ears.
I thought I had it all covered, literally, but what I found was that my face was painfully frozen, and it hurt to breathe. The cold air in my lungs felt like razor blades and my nose was running so terribly, that even though I kept blowing it (I always ride with a cloth tucked in my jersey) I couldn't keep up. It made it that much harder to breathe through my nose, and it hurt to breathe through my mouth.
Am I doomed to ride indoors in temps lower than 60 degrees? I don't even think I can describe how painful it was. My eyes were even getting swollen and squinty.

Ladies, the temp was MAYBE 55 degrees. Not THAT cold. Is it something you get used to? If so - how long does it take? When I got home I was coughing badly, and getting that metallic taste in my mouth - so I don't really know how much more I could take.
(ok - all of you reading this can now loudly say it, in unison....WIMP!!!!)
that's me