Originally Posted by
recneps345
Thanks for the great reply, tsl.
The best teacher is experience. Dress as tsl suggests, but take some of the clothing you indicate above in a pannier. I might, for example, head out without too much on, but I also might stop and put something on if I was cold. Or take something off if I was too hot.
Another thing to remember is that you can end up 20 miles up the road with a flat tire. You might want some extra clothes available for that possibility. The balaclava is your friend!