I haven't had any real problems with a pair of jeans, T shirt, wooly jumper, thick socks, leathers, boots and gloves. Even with winter gloves and heated grips after a 1 hour ride at -4 my finger tips get numb. Nothing else gets cold. I find a good balaclava and neck tube worth their weight in gold tho! A balaclava from aldi comes down right over your chest and no matter how much you turn your neck no cold blast hits your neck. A thick neck tube, also from aldi but from their cycling range, helps seal the top opening of the leathers and assists the balaclava.