Hi, Hugh For hanging out around the campsite, down is the way to go. I have a North Face down jacket that I wear with a couple of layers of wool underneath on chilly winter boy scout camping trips in the So Cal mountains. For cycling, though, down is totally overkill. Back in my Wisconsin days, two or three layers with a windbreaker on top was all I needed down to about 0F. As stated above, the key for staying warm while riding is keeping your head, hands and feet warm and breaking the wind.
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