I ran into a very Stubborn cyclist named Toni from the west village in NYC.She refused to use The NYC Subway System.This is her second winter of New York City cycling. She defiantly has the Force with her! It was really cold out in that headwind give her some credit.There aren't a lot of folks that have this much DRIVE and FOCUS.
She admitted to being cold so I hope this will help. Windproof Mittens,Helmet and Balaclava and Booties for your Feet!