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Oct. 18, 2017, 12:21 p.m. -  Morgan Taylor

I tend to do this year round, but I do like to pack a completely separate insulating layer (Arc'teryx Atom or similar) in case I actually find myself injured and in need of extrication. A wool jersey and a GoreTex jacket may be fine for riding in the rain, but stop moving for any amount of time and the cold takes over quickly.

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