Thanks for all the great advice. Only a handful of us even showed up (less than a dozen from a club membership of 600+) (Bourne to Comfort to Waring for you texans). One fellow rode home after about 2 miles, so I am proud to have finished. Only 2 women showed up (including me). I only ended up doing 35 miles but it was just right as it didn't really warm up (actually 39 at ride start and wind kicked up as we were coming back). I ended up wearing both the shebeest windbloc vest and goretex jacket. I had them both on for the car ride, thinking I would take one off at the ride start but it was so cold I kept them both on. I wore the head band, and gave my balaclava (very thin) to a friend to wear. It was funny, everyone was trading clothes as we helped to dress the underdressed guys with the extra gear some of us had in our cars. I was cold the first couple miles, especially my fingers, but then found I was getting a tad warm on the climbs so I unzipped my pit zips. The girl I rode with had a more form fitting jacket than me (like my vest but with sleeves) and she was colder than me on the descents. I was also very glad I wore shoe covers, as my toes were also feeling cold (more like numb!). I know I know for some of you guys 40 is warm, but not in San Antonio! But its our club christmas party tonite, and how can we eat all that food (and last night was our work one) if we aren't riding! It did feel really good to be out there! The guy at the Waring General Store was so excited when we came in, he thought we were crazy but it turned out we were also his only customers so he was very happy too!