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For me the season ends when the water temp falls below 65 degrees. That is as cold as I can take it in a 3 mm farmer's john suit with jacket. Where I ride that usually means the air temp is much lower, and keeping my face and hands warm from the wind is actually the hardest part. I've got a friend (much younger) who rides all winter, but I think she has a dry suit. But I'm an old guy...........getting harder to stay warm.