down to the mid 20's ill wear from 1st layer to last: "long johns" or cotton/lycra tights and shirt, jeans and cotton shirt, sidi boots, vanson insulated vest, nylon wind breaker with neck closure and waist closure, polartech jacket with neck and waist closure, first gear insulated pants, first gear kilimanjaro jacket or thick leahter riding jacket, balaclava or polartech neck warmer(from ski shop), thinsulate glove liners, joe rocket dry tech gloves. whew! belive it or not it only takes me about 10 minutes to put all this stuff on/off. this works best for the climate here in virginia, i can ride year round. ill wear the leather from the 20's-30's and the first gear from 30's on up. obviously if the temp increases during the ride you can remove the layers as necessary.