Headbands do make a difference! I rode yesterday when it was in the 40's and my ears were nice and warm for once. I wore PI thermal tights, thermal jersey, and a front barrier longsleeve baselayer and was just fine. Still trying to work out the cold fingers and toes issues. Right now I'm using a thermal toe cover and wool thermal socks and my poor tootsies are really unhappy. Going to try putting newspaper in my shoes as mentioned above and see if that helps. I've decided the Specialized Deflect gloves I purchased suck, and will need to get something else.