A few years back I commuted 50 mi. one way to work. I was able to ride without resorting to any heated clothing down to mid 40s in temperature, but that was arriving to work with numb fingers and neck. I realize that there was probably some minor hypothermia going on, as my reaction time was slowed. So my question is.... what is your personal threshold of pain (degrees Farenheit)for riding longer distances with unheated clothing, and any suggestions for preventing the fingers, toes,knees, and neck from going numb? I think everyone is different. I only have problems with my fingers and somewhat my neck, but others complain about knees and toes.