Pretty much describes my commute in Texas, and you're right, that is a little cool to us down here! Actually, last year I was riding that in shorts and a t-shirt too, but for some reason I'm getting chilled more easily this year. Maybe it's just the change from much warmer temps and I'll get acclimated. Today was also the first day of commuting with my new dyno light setup. It's great to not have to worry about charging the battery the night before. The headlight, a B&M Lumotec Fly IQ, is a little over-enginneered though- the beam has a very well defined edge, which gives an appearance of tunnel vision and isn't as good for illuminating street signs. The old light had more of a "halo" outside the main beam which helped peripheral vision. Still.... it's nice having new stuff.