I was out yesterday, and the wind chill temp started out at about 16 degrees F (Aslo in Ea. PA - Bucks County-PA). I rode 42 miles, and was toasty warm. I wore 5 layers of clothing including my jersey. First layer-short sleeve shirt and bike sleeves, 2nd & 3rd layers - long sleeve shirts, 4th layer-sweat shirt, 5th layer-bike jersey. I had long gloves with hand warmers (very effective-highly recommended.) I wore tights. I put on toe warmers on my socks, and covered my shoes with booties. Everything worked out real well. I would have biked further, but had familly commitments.