So wear a coat (and a scarf and gloves). If you're on a bike, your blood is pumping, and you're probably generating far more heat than the people sitting in car

So wear a coat (and a scarf and gloves). If you're on a bike, your blood is pumping, and you're probably generating far more heat than the people sitting in cars waiting for the windshield to defrost. I've biked through four or five Michigan winters so far. It's really not a big deal if you dress sensibly.