I believe tsl is from the Rochester/Buffalo area. You may want to check over some of his posts. Also check out the winter forum. To me it comes down to layering and using what is available. a base layer for warmth, another layer for insulation, and a shell for the weather.

For instance today was mid 50's and sunny and I wore a t-shirt, hoodie, and a light windbreaker. Earlier this week it was mid 40's and a light drizzle and i wore a similar set up but changed the windbreaker to a little heavier one and added gloves.

When it gets down to the 30's I will add a long sleeve, and below that I will add a softshell jacket. Cycling specific clothing has its benefits but so do everyday clothes you have lying around.