I have heated gloves and jacket and along with insulated riding pants I'm good into the upper 20's. But I'm with you, once the temps get below freezing, ice becomes the problem. Even starting out in the morning with temps in the mid 30's, ice can still be on the road from the overnight.
2009 Wee Strom ABS (current)
1987 Harley FXR Low Rider Sport (current - with 206K miles)
2009 Aprilia Mana 850, 2006 SV650, 1984 Yamaha Virago 1000 (all sold)
Silver Strom Club Member #11
Wee Farkles: Russell Day Long Seat, Madstad with Moose Adventure Shield +4'', SWMotech Centerstand, 1'' up & back bar risers, Givi XS308 Tankbag, Aprilia mirrors, Framesliders, Fenda Extenda, Elka Shock.