I've got Warm n Safe Jacket liner, Gerbings heated gloves and a dual HeatTroller. Even in 37° weather I don't need the jacket liner - a good windproof/waterproof jacket with thermal liner and a sweatshirt is enough unless it's a long ride. You can always leave it off and it connects to the gloves, too so you don't have to run lines out to the hands. The hands are key, though. You'll want heat at 55°. 2¢ proffered.