Yeah, one coat doesn't get it. Cuddl Duds, Light Tee Shirt, Long Sleeve Shirt or Light Jacket generally gets the job done. IF it is down in the 40's I rode last year in Tee shirt, Long Sleeve Shirt and my coat that is made with that wind breaker material and quilted on the inside - not too bulky (I actually hate wearing coats), socks and gloves and that worked out just fine even on the coldest rides. We rode last January 2011 and it was in the low 30's and we were just fine. Had a great time. I have had to take layers off and tie them to the back of my cantle - that is what all of those latigo's are for!!