One thing is certain, though, its still too cold.  After about 40

Hell! This is WARM. I retired my fleece from under the Aerostich last 
month when the temperature got aboce 40. Try living a couple of years 
on the dole, so you cant afford any heating. You put the gear on in
October, abd you take it off again in May. Getting out on the bike 
seems like a luxury in comparison cos oyur usuallu going somewhere 
warm. 

Its all relative.
