All this proofs me to 25degF on my XCT. I'll try colder weather this week it looks like. Takes 3 min to dress down to jacket only in the parking lot at work, and the XCT has plenty of room to store it all + my laptop, coffee thermos, 2 extra pairs of gloves, extra sweatshirt, etc...
--Don't forget I have heated grips on the XCT which help a lot with the hands - though the heated seat isn't a deal breaker for me w/ the insulated pants.
+Tourmaster Rincon Jacket (removable insulation) $129 @ MotorcycleSuperstore
+Fieldsheer Mercury Pants (removable ins) $99 @ MotorcycleCloseouts
snowmobile gloves $90 @ Dicks
+NorthFace neck gaiter $39 @ local outdoor shop
+cheapo thin baclava for under the helmet on those coldest days $6
+3/4 face helmet with face sheild (neck gaiter dams the bottom)
+Gortex, full-tongue 10" boots w/ 1200g thinsulate (cold/wet days)
I swap out my gloves for days in the 30's...and drop the baclava and winter boots as well:
+Firstgear riding gloves (100g thinsulate) $39 @ local dealership
I drop the pants and neck gaiter when temps get near the 50's.
NOTE: All this extra stuff changes the way I ride just a bit. Especiallyu sensitivity to all my levers...so I'm sure to practive slow manuevers when I start to don that gear.