My coldest commute was 10 miles on a mountain bike at 10F. Even with two pair of gloves my hands got cold. There is nothing like a fairing to cure the ills of wind, rain, and cold. My biggest issue is keeping the glasses from fogging so I am trying a Bell full face motorcycle helmet with treated visor. The rectangular plastic oil bottles can be cut to make good splash guards for fenders. I like a rear view mirror and a 3 spd internal gear hub geared 40T/19 for stop and go traffic. For touring or towing I'll use a bike with triple crank gearing.
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