How cold is it in your area? and when do you decided to call it quits from riding due to cold weather? Its currently 28 degrees in NC (tonight) and driving through that was very very chilling. Mind you I had boots, 2 pants, 3 undershirts, pair of gortex gloves and 1 leather jacket as clothing. I stayed under 45 the whole ride back home. I think its time to invest in some neck socks.