In the old days when I rode a lot in the winter time, and in Ontario it could get pretty cold, sometimes with a bitter wind, I had a good down jacket and I was always warm in that coat no matter how cold or how far I rode. It came down just over my hips. I also had a type of neck warmer that my Mom knit for me, it was worn double thick and wide at the bottom so it went right over your shoulders so no wind went down your neck and you could pull it up over your face right to the eyes to protect your face. I still wear these today but have to knit my own now. The shell of the jacket was pretty water proof so even drizzle or snow had no effect on me. I was always warm in that jacket.