well i also ride in jersey......you have gotten a lot of cold weather riding tips...so not much for me to add.....i use the handlebar mittens and they work for me.....as you can see...there is a lot of creativity and ingenuity involved in trying to " out wit"mother nature..... the wind and the actual temperature itself will determine your unique tolerance.....in the end you will probably find yourself riding a bit slower and maybe taking a bit longer to get to your destination...good luck