Ride to work often...not always. PM ride in and warmish if you will. 5AM, and not so balmy at 30 -32* Generally layer up. If I am out and about (any sunny day that the roads aren't covered with grit-during winter) I recycle my old Nomex...think thermal long johns and one of them pastry concoctions that are also a covering for the head. long sleeve shirt over Nomex, then a fleece jacket and then a outer wear jacket...if 20's it'd be the dbl leather jacket over top....and one of them neckie things. No interstates, just these junky (or junkie) backroads....514, 520, 60, 62, 229, 308...maybe y'all have heard of a couple. No probs except for pickup trucks! There is a Hard Nipple Ride slated for January......