I been caught in the teens on the bike before... Generally I call it at 25 degrees or actively snowing...You need to dress appropriately and heated gear makes a difference. I don't think there's one thing that works for everyone. I've had really good luck with FirstGear jackets, pants and gloves, but I'm also good for 45 or so in my leather with either the liner or a sweat shirt. As long as I keep my hands warm/dry I'm happy