It is starting to really dip down at night and early morning here in Colorado, but warming up to the high 70's in the day. I put my non perf leather jacket with the liner, my jeans on under my nylon riding pants with the liner in the morning. Zip out the liners, throw them in my backpack, and head home in the afternoon. The only thing that ever gets chilly is my neck, below my helmet, and above my jacket. I have 42 miles of 75 mph freeway to ride to get to the city, so windchill can really be a factor. God bless you die hards that ride all the time when there is no snow on the ground....LOL