Originally Posted by
caloso
40F is pretty typical winter road riding in NorCal. My main thing is that if your head, hands, and feet are warm, you'll be warm. So get an earband or skullcap, decent toewarmers or booties, and some decent medium-weight gloves.
Oh yeah, I forgot to say this, so I'm glad Caloso did. The core is almost never the problem. Take care of the extremities and the core takes care of itself.