Wow, Kali and GLC, very very helpful. You both make me think I can do it. The hot showers and cold water are nice images.

I have: leg and arm warmers, nice Giordana jacket, tights. I need: something for the head, booties, long sleeved gloves, maybe real tights with a chamois.

What would really help is a riding partner! I am lucky in that several days a week I am home by about 3 and can get out when the day is the warmest.