I'm having the in-between problems too. I either overdress or underdress. Haven't found a happy middle ground yet.

I'm lucky in the fact that our local ski hills get all the snow, and what does fall in the City valley melts off within a day or so. Commuting yesterday in 31F temps and dry roads was pretty nice, nevermind my cheap snowboarding gear, thrift shop designer lamb's wool sweater (Well I guess its fancy, I bought it for $2.50 with riding in mind). The helmet + ski goggles + face mask had to make me look silly, but I was warm and sweaty. I'm just glad I can shower when I get here!