I'm a complete pussy, I'm afraid, went out today with Rezillo and had bib shorts, thick longs over the top, short sleeved shirt, long sleeved shirt and windproof jacket over the top. Neoprene booties over the shoes and Aldi winter gloves on my poor little paws. Felt reasonably comfortable, if a bit constricted.
Since last winter when I lost heaps of weight (3.5 stone so far and weight still dropping) I have really felt the cold. I didn't cycle last winter, hadn't got back into it at that stage, but at night I found I had to heap the bed with a thick duvet and another double one on top folded in half to give effectively three duvets on top of me, otherwise I just couldn't keep warm. Even then I often needed a hotty bottle to get the feet warm! Odd, because in the past I have never suffered from the cold but couldn't stand the heat.
Gordon