I live in Oakland and ride in the hills between here and Berkeley, and it has really been COLD! I bought a pair of fleece-lined tights which I wear under a pair of long warm overpants that I bought years ago at REI. On top, I have a long sleeve Hot Chili thermal top under a long-sleeve Sheebeest jersey. A neighbor loaned me a pair of very warm Hot Finger gloves and my head is kept warm with a cap under my helmet. For my feet, I have silk liners under wool socks, and since my feet are STILL cold, I have ordered shoe covers from Team Estrogen. Added to this, I put on a screaming yellow wind breaker jacket for down hill runs. The advantage to having these extra layers of clothing combined with the neon color is that drivers now mistake me for an emergency vehicle and pull over when I scream up behind them yelling, "BRRRRR!"