How many clothes does it take to keep a cowgirl warm in 20 degree weather?

To expand on 'becca's entry, this is how many clothes it took to sort of keep warm today. That's one sleeveless undershirt, one long-sleeved undershirt, one long-sleeved jersey, one vest, one wind jacket, one pair of shorts with suspenders, one pair of thermal windproof tights, one pair of neoprene booties, one pair of wool socks, one pair of lobster gloves, and one wind proof ear band.