I'm a sport bike guy, and about the getting chilly riding, I've never had an issue with chilly riding unless you're talking Dec-Feb at night. (I love Florida! ) Even then, it's been 45 outside, and we rip across the bridges at 170-180mph and it's not too bad. I used to ride in shorts, tshirts, tennis shoes, and my helmet and gloves. After going down at 60mph (thankfully having all my gear on) I don't ever ride without pants, leather shoes/boots, jacket, gloves and helmet. It didn't hurt when i went down, so now I know that if I have my gear on, I'll be ok. Now I have like OCD about it. lol