Yes, even in Florida, it can get cold!
OK, so if you’re not from Florida, this may seem a little silly, but truth be told, with wind chill figured in, and when your moving along on your bike… sometimes quite quickly, you’ve got to dress properly to stay warm (or not too warm), for best efficiency on the bike! So, here is Mike’s take on it — with just a bit of friendly plagiarization (but credit given).
SO, this means no excuses! Get out and ride! (Unless it’s below 40, according to Mike).