I rode my 'new' $50 mountain bike in similar conditions yesterday and found I had one too many layers so I stuffed a fleece sweat shirt in my fanny pack and was quite comfortable with a heavy cotton shirt and the lined down parka. The chaps and long underwear with my work pants were fine. Good gloves and my full helmet behind a plastic fairing keep my hands and face comfortable. Two pair of socks in the rubber barn boots were enough.
The lower gearing, lighter lube, and a mirror are the changes I will make first. Lights, fenders, and racks are next. Full fairing front and rear are in the works.
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