Join Date: Mar 2008
Location: Binghamton, NY
Bikes: 2008 Surly Long Haul Trucker, 1999 Jamis Exile
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Check out the Winter Cycling forum. They usually have good tips in their stickies. To break it down though it really depends as everyone seems to feel the cold differently and on what parts of their bodies.
For temps of around 25 - 35 I was fine wearing an A-shirt, short sleeve shirt, Long sleeve merino wool blend, Hooded sweatshirt, and windbreaker. On the bottom regular boxers, basketball shorts, and athletic pants were usually fine (though I do have leg warmers if I needed them). For hands I had light skiing gloves. For my head I had a skullcap and thin winter hat. For my feat regular socks and basketball sneakers. For context I am a year round commuter and only had a 3 mile commute each way.
You don't need much and it doesn't have to be cycling specific (unless you want it to be). Usually its not necessarily the cold, but the wind that gets people.