Unless one has an unlimited budget or at least bigger budget than I do the way to outfit all weather gear is to be like Walt Kowalski in "Gran Torino" when he catches the kid trying to steal something in his garage. He tells the kid next door it takes 50 years to fill up a garage with tools. (paraphrased) Buy it as you go along and get the best you can afford.Well, I did not ride to the gym today as it was 38 degrees here this morning. But I had some time so I thought I would see what I was missing with cold weather riding and went out in 42 degree weather after the gym. I realized quickly how familiar I was with the location of my helmet's vent levers (holy #$%!!...I shave my head and that was a cold Jetstream of air cascading across my skull). My toes were pretty cold pretty quick. Though my gloves are leather they are perforated, and my hands got cold really quickly. I don't wear riding pants only jeans so my legs got cold too. With as many warm riding days I have available to me, and considering the cost of the proper cold weather riding gear, I think I'll have to live my cold riding life vicariously through @the Ferret , @dduelin, and the rest of the die-harder-than-me riders!