I can do down to about 40-42 on the road. My speed gets slower, though. I have all of the gear. Bought toe warmers for X country skiing and was going to use them for cycling, but never did. I wear wool socks below 60-65 and booties sometimes at 50 or a little above. Definitely wear them in the forties. I can't stand cold feet. My full fingered gloves are OK in the 50s. I have a pair of of Amphib gloves that I wear mtb, that I'll wear on the road if it's in the 40s, but they sort of interfere with my shifting a little. I'll mtb down in the 30s, but only if there's no ice. I don't do rain, either,unless it starts while I'm out there. I guess that's wimpy. I did ride every month this past year, but only because of our unusually warm days we had at least one day each month.