I use down jacket for cold winter rides, up to 20-25 miles. Expensive down, bought in North. Stuff bought in south just ain't warm---rain/snow I can put rain jacket or Darien jacket over. Full day's riding in real cold....down under Darien jacket/Darien pants, Wolverine waterproof boots or rubber overboots. Have large collection of gloves/over mitts. Windshield important in cold.....but one the works!!-----So dressed I can move/tee shirt next to skin, long underwear, too.