I'm impressed for anyone who cycles at 20F. I will cycle down to 0 degrees C or just a tiny bit colder. But I wouldn't be going far on a ride..no more than 15-20 kms. at most. And preferably with no strong cold wind under those temperatures.
And I've never worn shoecovers when I cycle at freezing temp. for the distance I stated. However my partner might wear shoe covers at same temp. However my fingers are sensitive to cold, since I have Reynauld's.
I don't have any wool cycling gear.




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