I rode through the Minnesota Winter last year.
Most of my winter riding was below freezing, so "wet" wasn't a real problem. I really dislike the
transitional temps (30-40F). Those temps feel colder to me than below 25F where it is dry. I am not a RAMBO type. I believe in comfort, and was able to ride in comfort through a winter down to temps in the low teens. I wanted to ride into single digits, but never had the opportunity (mild winter). I felt my clothing was good for another 10 degrees, but would have needed ski goggles for my face.
Some of my suggestions go against common knowledge, but they worked for me.
Your mileage may vary.
My personal experiences and suggestions:
*Get a good waterproof bag (I prefer handlebars) big enough to carry everything you might need if it gets colder. This bag should also have enough room to store any layers you might shed as you ride. I modified a waterproof gym bag by cutting off the top handles, and sewing webbing straps with bayonet clips (plastic buckles) on the side.
*LAYERS***
The outer layer MUST be breathable, and should not be lined. Lightweight. Avoid anything "waterproof". You will swelter inside waterproof outers.
I didn't ride in the rain (only snow), so you may need to make some decisions about waterproof outerwear.
Avoid heavy parkas and padded pants. The outer layer is only to deflect the wind. The under layers will keep you warm.
I bought a pair of loose breathable (synthetic, water resistant) sport pants from WallyWorld. I sewed a plastic bayonet clip (two piece buckle) on the right leg that would keep any loose fabric from the chain. When I got off the bike, I could unclip and take my pants off over my boots. The pants had a drawstring waist, but I added suspenders because something about the interaction between my saddle and the pants caused them to creep down. The suspenders fixed that.
*Top layer, a bright red, unlined "PUMA" synthetic windbreaker with back vents. I added a large round "key ring" to the zipper so that I could use the zipper without taking off my gloves. I used the zipper to regulate my body temp. Open the windbreaker on the uphills, close it for the downhills. If my layers were right, this worked perfectly.
When temps were above 25F, I wore two piece silk long johns under the wind breaker. Sometimes I would add a long sleeve cotton undershirt above the silk. (This seems light for below freezing, but its not....and I'm a wimp.)
When the temps were below 25F, I wore a regular cotton sweatsuit under the windbreaker tops.
Into the mid teens, I would wear both (Silk long johns under sweat suit under wind breakers).
http://www.wintersilks.com/search.aspx?searchterm=long%20underwearI swear by the silk long johns!!! They are light weight, WARM, and
comfortable.
The silk longjohns were worth every penny. I also got silk glove liners that I used a few times, and a silk "ninja" hood that I never used.
Hooded Sweatshirt:
I don't use the hood unless I get off the bike.
It really interferes with peripheral vision when checking for traffic. It also
catches air and forces it down your neck.
I used a number of different hats and caps, all of which fit under my helmut. My favorite is a wool watchcap that has a face mask that I can pull down and cover my mouth and throat. If I pull it over my nose, my glasses fog.
I always carried a
Throat Warmer in my bag. It could cover my throat, chin, and nose, and would also keep drafts from sneaking down inside my windbreaker. I only used this a couple of times when it got really cold, but I carried it always.
I wore leather combat boots and "over the calf" cotton Soccer Socks . This gave me good "overlap" of layers with no gaps for the cold to get in. I used chemical "toe warmers" inside the boots. I love them. Cold toes make me miserable. These little warmers kept my feet comfortable all winter. I bought mine at Menards. I also carried several extras in my bag "just in case".
I wore thin leather (dress?) gloves all winter. I bought them "off the rack" at Menards. They are common leather dress gloves with a light lining. When it got really cold, I added silk glove liners. My finger stayed warm all winter. The light leather gloves were great for dexterity.
I carried heavier gloves in my bag, but never used them. I have a great pair of gore-tex ski gloves, and some wonderful HEAVY leather, fleece lined mittens with gauntlets that spent the Winter in my bag. I never needed them, but was glad to have them with me
just in case.
Some things to consider:
*I found that it was easy to stay warm on the bike as long as I was working. I had an uneventful Winter, and always made it home OK.
It would have been deadly if I had had an accident or breakdown in an unprotected place with no help close by. A couple of times, I
got off to take pictures or play in the snow, and I got cold really fast. All of my Winter riding was in an urban environment where I could have gotten out of the cold if necessary. I always carried a cell phone, and someone with a 4WD always knew where I was going and when to expect my return.
*When the temp drops below 40, I use platform pedals, no toe clips.
*It gets dark early. Drivers windshields are fogged up and icy.
Expect all cars to be driven by a drunk idiot on a cell phone.
Wear bright colors, and stay off busy streets when ever possible.
*Wind Chill is a product of airspeed. If you feel chilled, slow down, drop to a lower gear and increase your RPM.
*See your dentist for a checkup. Freezing air sucked over a bad tooth can induce exquisite pain. :(
*Have Fun.
Bob
St Paul, MN