I've got the wind tights, the wool tights, the winter jersey, jacket, hat, gloves, shoe covers, etc and I still get cold. To be more specific my hands and feet are the problem. I had a minor case of frost bite on my hands and feet in college and since that stupid mistake my hands and feet get cold quickly, go numb and then start to ache severly. So though I have all the cold weather "stuff" I hate to ride when it is cold, typically won't go out if it is below 50F - not much of a threshold I agree but it beats soaking my appendages in bowls/sinks of warm water in an attempt to restore circulation.