Since I bike a lot on the Virginia’s eastern shore, I have purchased both warm and cold gear jerseys from this company, I like their designs and materials. I was greatly surprised by the cold weather performance of this jersey. No problem staying warm in cold/windy, 32 degree weather. With thin thermal underwear, I should be able to bike in the 20s with no problem. Note: I am 5’11”, 200 lbs, typically a size L but for this brand, I wear a XXXL for a comfortable fit.