Today was the first time I rode since getting a Gerbing jacket liner for Christmas. I already had their 3G gloves. Was 35 - 37 degrees when I left home and couldn't believe how warm the Gerbing clothing was. I always heard that Gerbing was warm but I was skeptical. Boy was I wrong! I only turned the jacket up about 1/3 of the way and was plenty warm. I tried it on a higher setting to see how warm it would get. I got very hot quickly. My hands were a little cold with the Gerbing gloves. I found out that mine were too big. I got gloves that fit like my normal winter gloves, which have a little room in them. The Gerbing gloves need to fit snug in order to get maximum warmth from the heating elements. Going to exchange them tomorrow for a smaller pair. I think I can easily ride in 20 degree weather.