I categorize my levels of dress as levels 1 to 6 (summer to winter wear). I picked that scheme from the assessment of difficulty of rivers for whitewater rafting and it seems suitable for my range of riding. Currently I'm at level 2, thin long sleeved jersey and tights, and occasionally knit full-fingered gloves.

Apropos of early anticipation of winter riding, I thought this thread was pretty funny, started on July 23, 2009: "How do you handle approaching snow plows?"

http://www.bikeforums.net/showthread...ing-snow-plows.