Just got back from riding about two hours and it only went above 40 degrees the last 10 or 15 minutes of the ride. I'd been using 50 or so as my personal minimum but the new Street Glide kept sitting in the garage mocking me, so out we went! Wore thicker socks, Under Armour winter/compression shirt under t shirt and lined jacket, cold weather gloves, and I think they call it a balaclava - keeps the neck and chin area nice and toasty. I have chaps but I was so psyched to be heading out I forgot to grab them. Actually, the legs were the ONLY part of me that got even a little chilly and they weren't bad at all. I'm definitely going to be extending my riding parameters now. I even liked the crazy looks I was getting from the cagers in their perfectly heated environments!