I think the inability to harden up was one of the OP's concerns (or that of his wife?)
When it's cold, I dispense with the 'going commando' rule.
Something like this will keep you snug and warm.
http://www.amazon.com/Gore-Bike-Wear-Layer-Windstopper/dp/B0077WZTEQ
I think the inability to harden up was one of the OP's concerns (or that of his wife?)
Never really found it an issue unless I need to take a slash, which isn't easy and can be painful as things warm up...