I'm on the motorcycle all year and do Iron Butt rides, so I plunked the change on the Gerbing's gear when I moved to Ohio. I have the jacket liner, Xtreme Element pants, and heated gloves. I'm usually good with the jacket liner and gloves down to 35° and then add the pants when it drops lower or if I'm riding to work (nearly 30 miles). I did it for prolonged comfort when riding - I know I can do without but it makes the ride feel a lot more "normal." If you're not planning to make this an everyday thing, you don't need the heated gear. It's definitely a benefit, though. My big key is blocking the wind and covering up any exposed skin. As long as your core is warm, the cold is a lot more manageable.