26°

-O2 Jacket
-fleece vest
-windproof pants
-wool socks
-wrist warmers
-insulated gloves
-face mask
-beanie

Was very comfortable other than my toes getting cold near the end of the ride.

27°, wind chill 22°

-O2 Jacket
-Polar fleece vest
-32deg undershirt thanks to a Christmas present from +Barbara Stell
-bike pants
-wool socks
-wrist warmers
-insulated gloves
-beanie

My body was comfortable, even opened up the vents on my jacket half way through the ride. My face was cold for periods of the ride, and my toes went numb.