Glad you guys can wear a "jacket" to ride, YOU DON'T KNOW COLD :!: (jk!) My ride to work; T shirt, hoodie #1, long johns,2 pairs of socks, Work uniform shirt and pants, Hoodie #2 on backwards so I can pull the hood over my face, gloves and a Carhart coat. It's 27* out at 4:35am, but you pedal and stay warm. I like it better than frezzin' in the truck on the way and the bike is faster.