It's not that I get too cold to ride, but when I have to keep the face shield of my helmet down, and I have to wear all the gear (including something over or under my jeans, which is normally all I wear on my lower body), the ride itself is just not as much fun. I know it is risky, but I live for the days when I can ride with a half helmet, no jacket, jeans, tennis shoes, and maybe fingerless gloves. When I am all bundled up, I start to think that maybe I should have just taken one of my cars instead. But maybe that's just me?