Seems everyone that answered this post up until this point has been what we northern folk consider 'warm climate types'. You three are discussing what you wear in the cold - Hmmm. those are what we call 'warm'. Up this way, we generally consider keeping the bike in the garage when there's ice on the road. Its really not a 'cold' thing - Its a slippy thing. If you guys keep bundling up like that at those temperatures, you'll soon loose all your natural immunity. I suggest you quit eating so much jelly bread, eat some meat and vegtables, and take a walk outside in the REAL cold from time to time and build up some resistance. You southern guys are softer than warm butter.