Hey Smilie - you live in Wyoming - no wonder you thought I was a wimp - LOL. I moved from Jackson, Wyoming to the Tampa Bay area in 1990 and that was sure a shock to my system! But eventhough we don’t get those wonderful -40 below temps here, it does actually get down into the 30s sometimes. And the problem with Florida winters is that it will literally go from upper 70s one day to 30s the next depending on cold fronts coming through. My DH complains if the temp falls below 60, but I love Florida winters as a general rule since I lived in both the mountains of Virginia and Wyoming. I enjoy the cooler weather! Thanks for the suggestions - I have seen arm warmers on the cycling sites. It is mostly my hands and upper body that get cold - my legs rarely get cold.