Seriously? I'm 5'8" and 140 lbs and I'm considered "skinny" by most standards.
Then I just checked the map of where you live, central coast of California, I don't think your weather qualifies as "cold".
Try riding in 35 degree weather with an 85% relative humidity and high winds...that's a typical winter day in the Mid-Atlantic states. People whine about humidity in the summer here because it makes the heat feel MUCH worse. Well it works the same in the cold...it can make 35 degrees feel like 0 degrees in a drier climate.
Yep, I'm that skinny. And it's always high humidity here by the coast, heck,
everything that isn't painted just rusts or otherwise corrodes. And yes, it's frequently 35 or colder here, until you get into the cities where it warms up a lot. Is it as bad as winters in any other state? Not even close! But it's cold enough to make the roads a bit dodgy, and enough to cut through most of my gear. lol I'm in the mountains, where it gets way colder than most CA regions. I really don't mind it though. It's the constant visor fogging up that drives me nuts! And I here ya on the humidity! It makes the heat feel much worse, especially indoors. I really want to live somewhere nice and dry.
Desert dry.
There was one time it hit 35F in San Jose(when I still lived there), and I rode down the expressway on my TW200, back before I had riding pants. It was a short ride, about 15 miles. But my gosh, my knees were killing me once I got to work! That's when I can't take it. LOL!! Oh well, everybody is different. Heck, I've been out in snow(other states of course, lol), and still only wore no more than two layers. Must be my hyper-metabolism keeping me warm.
Sorry about the threadjack, back on topic : Another part of winter gear. What does everyone use to keep the visor fogging down?