I've not had much cold nor wet weather here yet, probably a foggy 65F yesterday was the coldest, which was fine going 55mph. My neck was uncomfortably cold when exposed.
The lining is supposed to be windproof/waterproof, so I'm expecting to switch from poly-blend work trousers to lined jeans when it gets colder/wetter.
I chose that combo 'cos I want to go touring next year and don't want to switch up riding gear depending on the weather, if possible.
1974 CB125S (purchased 1983, ate 2 crankshafts, sold 1984)
1986 Rebel 250 / N. California (purchased 2019)