Since I got my heated waitcoat - not a problem lol - toasty warm all the time.

Although if we get snow over Ice then i wont ride - no point being warm if your laying in the road under your bike

 

I've ridden at about -5 C but won't ride if there is any chance of ice accumulation. Other than that I ride everyday to save on gas. I have gloves from Seirus that keep me as warm as some ski mittens I’ve worn ( http://www.amazon.com/Seirus-Innovat...0839878&sr=1-4 ) and a cold weather jacket I’ll wear down to about 7 C. If it’s colder than that I add a wool shirt under the jacket and a pair of fleece pants I received as a gift over my jeans. The fleece is about 3 sizes to large (they didn't understand that because I wear 3x shirt doesn't mean I wear 3X pant) and really makes a difference in comfort when it’s colder than 5 C

 

I only wear tshirt (Sometime a long sleeve one) electric waistcoat - leather jacket