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Thermal Top, Fleece, and leather jacket.
Thermal bottom, jeans and chaps. Oh yeah....and a balaclava too. I've ridden as cold as 23 degrees, and had no problems with what I just mentioned. I do need to get better gloves.
I found out after a ski trip in VT,that skiers know how to be warm with virtually no heavy layers (aerodynamics play a part in it).
I use HotChili thermals with my HD Heritage Nylon Jacket, jeans and lined gloves and am comfortable down to 40*; below that I put on my ski pants and am quite comfy for hours on end. As for my hands, I installed heated grips and they do make a world of difference, so heavy gloves stay in the saddle bags in case the grips fail; so far not needed...
Get yourself a good pair of Eskimo women and wrap them around you, they'll keep you warm and toasty all winter. Make sure they have good teeth and in the summer you can use them to strip the fat off seal skins, and then they can sew the skins to make you some leathers for you and your bike. Next year you will be all set.
For what ever reason, I find leather is an excellent insulator against cold. I love my chaps in the winter, but I'm considering full leather pants to protect the boys. Going to a SG fairing from my RKC lowered the comfort temperature for my hands by 30 degrees.
However, all my buddies with heated gloves can't say enough good about them. In fact, every rider I've talked to who says they will never use heated gear and then tried it out never went back to unheated gear. And, they ride all that much more because of their heated gear.
Wow, I think I've just about talked myself into getting heated gear, shesh!
I've found heated grips and adding a electric vest or jacket liner to go a long way toward keeping me warm. I've never bothered with heated pant liners but usually wear over pants with fleece underneath when it's cold and always wear gortex boots.
Even layered up if your out long enough your core will get cold. When your core gets cold you might as well call it as everything gets cold.
Try taking one of the bengay patches for your back, cutting it in half and placing them in your boots. Its air activated and keeps your feet toasty for about 6 hrs. on really cold days.
The one thing you hear the most from non electric riders is if it's colder I'll just put on another whatchmacallit - or - all I need is a better pair of gloves - or - damit I have to go to the bathroom - or - I will just stay home and wish for summer.
The one thing you won't hear from an electric user is. I wish I'd never bought that. We can go for hours and hours and hours and be comfortable the whole time and never need another thing.
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