It was 35 degrees and sunny at 8:15 in the morning when I started my ride with Betzi. I put on leg warmers, arm warmers, heavy hiking vest and jacket and a buff around my neck. It never got warm enough to shed any of those layers.I spent my entire three hour ride with Betzi zipping and unzipping my vest and jacket to keep me comfortable. Zippers are great. That's all I gotta say.