Great points on the rain, clothing and the risk of hypothermia, N.Y.

Some might think that with all my sub-zero riding that that kind of cold is the most dangerous. It's usually not because I know what to expect and I dress for it. Nope, the closest I've ever come to succumbing to hypothermia (and it was very close), was on a wet day with the temps in the 40s and a cold wind. I had not dressed, properly, and was caught totally unprepared. Lesson I never forgot. Hypothermia is a killer.