I think I wear too many articles of clothing on a 40F ride for a non-rainy day. Can you beat this without arriving frozen or overcooked?
Polar tech windproof swatch
Microfiber sport top
Microfiber brief (because rain pants don't have a liner)
Dou Fold shirt
15! What an armload...I practically need a clothes line at my desk! And there's always a chance of dropping a sock or something along the way.