This forum got me thinking and I went out in a light jersey and shorts yesterday. I think the temp ranged between 55-65 with light rain (riding from Walnut Creek to Dublin and back). I didn't feel cold, except when the the wind kicked up and when it did I pedaled harder, so it quickly balanced out. I got a lot of looks from other cyclist who were either in rain gear or wearing tights and jackets, but I was actually fairly comfortable. I think cold is a state of mind, that said 45 degrees with short is just asking for hypothermia. Also, I should qualify that I am a fat a** and I have a lot more "padding" around my middle than most cyclists, which is why I don't usually wear lycra, but figured I would give it a shot the other day because there wouldn't be that many cyclist out. For those of you who saw me, I will be going back to mountain bike shorts, so you can open your eyes again.