I rode 41 miles this morning...it was 25F (sunny and dry) when we left, and topped out to just above freezing by the time we got back home. I felt a bit cold at first, but once we got past the first 30 minutes or so, I was okay. Having the wind at our backs on the way home made it feel warmer since the cold wind wasn't blasting me in the face. I wore a balacava on my head, 2 Under Armour layers (1 a Coldgear, and the other a thermal), my Gore Windstopper jacket, Gore Windstopper gloves, Gore Windstopper bibtights, DeFeet Blaze wool socks, and my newly acquired (thanks Pll!!!) Sugoi Resistor booties over my shoes. This combination of clothing worked quite well in this temp range, so I will definitely use it again.