If the temps are over 32 degrees I usually ride my bike. I can tell you though, that it IS cold. But if dressed in layers, and a neck warmer and turtle skin, it´s tolerable. I´m sure if ridden for only 20 - 30 minutes, it wouldn´t be too bad, but I have an hour commute and part of it is at speeds of 50+mph. So by the time I get to work, yeah, I´m a bit chilly.....but it´s sooooo worth it, and makes my commute just a bit more tolerable! Now if I could just have my music and ride at the same time...