Love handles sound like a good idea for pillion riders, but as I don't take pillions yet I would not know. I don't really feel the cold too badly, so I can't have much of an opinion. I would recommend the following though. My neck gets cold in cold weather. I bought a "Cold Killers" Balaclava with neck wind protection. It works perfectly. I simply do not feel anything on my neck. I would also recommend for the summer a light balaclava (Silk, or cotton, or even these clever ones that wick heat away from you, whichever you prefer) to wear under your helmet. This stops your helmet getting that stale sweat smell so quickly. I tried a pinlock anti fog visor and hated it. Everything just seemed dull and blurred. Saying that I think I am the only person who does not like using them so what do I know eh? To stop fogging I put washing up liquid on the inside of the visor them wipe it off until you don't see it anymore. Works a treat for me. Take whatever you want from that lot and feel free to add to your list. Good idea this thread!!