-10?

I don't mind wearing multiple layers on the bottom. I barely notice. I won't go out if it's much below freezing unless it's dry, and how often does that happen? I've been layering my Mid-Zero Zap tights (I bought them because unlike the non-zaps, they have ankle zippers!) with shorts, and I'm good to go down to about 35F...and if it gets too much below that, I'm probably not going out anyway!

What I need to work on is upper-body, foot and hand apparel. I do have a jacket, which the manufacturer says is good down to about 25F if layered properly. Maybe I can find some plain wool sweaters that don't have a horrible itchy collar. As much as I'd like a dedicated zippered wool base layer, that is not going to happen any time soon! (Though maybe I could buy one and turn the heating down a bit...I'd get some wear out of it for sure.)