It stays around 40 here. Hippo hands are ugly, but they're a nice investment. Also, wearing latex gloves under your riding gloves helps a lot. Lastly, while I've been guilty of this before, don't wear a scarf. Get a balaclava instead.
I recall reading that one member keeps a $10 tyvek suit on longer rides where it might get really cold to add another layer. I haven't tried it, but it seems like a nice investment.
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