Like everyone else just said, layers! I ride on nice weekend days. I usually wait for it to warm up a bit so I start later. Rides are shorter but I get out on those sunny (cold) days. On the nasty days I go mountain biking. I also return to the 5:30 PM spin classes on Tuesdays and Thursdays. I went for the first time this past Thursday and my spin instructor welcomed me back. She said like the birds flying south she knew she would see my face when the weather turned.