Join Date: Dec 2006
Location: Rochester, NY
Bikes: Specalized Tri-Cross
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If your not planning on riding in inclement weather, and 25 as a general coldest day, then just make sure you have warm layers that won't interfere with riding (baggy pant legs)
At 30, I'm fine with this: Wind proof winter jacket(with fleece liner), full finger biking gloves with cotton glove liners, shorts, 1 pair of pajama pants, 1 pair of wind/rain pants, biking shoes and a decent pair of socks.
Colder than 20, I add a thick shirt and another pair of pajama pants and switch to proper winter gloves, warmer than 35 I lose the rain pants, the glove liners, and the jacket lining, so it's just a thick wind breaker.
The one other issue you'll have to watch out for is your glasses fogging up. A drop of dish soap spread over the inside/outside of the lens works great, as well as a product called 'cat crap' that you can get off of Amazon.
I'd say for the shorter rides (10 miles) layer up to the minimum of what you think you'll need, that way if your wrong it's not to long of a ride, and for the longer rides, take 1 extra layer with you in case your wrong, so you can put it on if you get to cold.
In the words of Einstein
"And now I think I'll take a bath"