Originally Posted by Mr. Beanz

Guessing California temps may be simlar to Texas. When temps hit the 60's I wear an underlayer (cheapo Target or Wallyworld version), tights, jersey, and a windbreaker. This gets me though just about everything (35-60 degrees). Yes, I wear it when it's 60 because descending a mountain road at 40 mph adds the wind chill factor.

Never really that cold here but this set up does the trick.