I ride all year and KS gets cold. I wear regular shoes with two pairs of socks, thermal pants (long johns) under jeans, under armor shirt or thermal shirt or regular t shirt as my under shirt, t shirt, hooded sweat shirt, leather coat, leather gloves with lining, balakalava or how ever you spell it (basically full head mask with one big hole for nose mouth and eyes, and a full face helmet. The only parts of me that get cold are my hands and nose and eyes. Cold air still gets in my helmet around my chin and goes strait for my eyes. Makes my eyes tear up sometimes. Its like chinese water torture with ice water. Also my hands. Even though the gloves are deer skin and have a cotton inner liner they dont do enough. My hands will go numb 15 minutes into my commute. The only things i bought special for riding in cold was thernal pants and shirt at k mart (dirt cheap), and the gloves. There is no need to buy elaborate stuff when you can add a layer of cloths you already own.