It's mid to upper 40s here in the AM, but not raining yet, so I'm not bundled too heavily:
Performance Tundra-II longsleeve zipfront jersey (safety yellow) without baselayering
Bib shorts
Pearl Izumi insulated knee warmers
long gloves, socks, shoes (no covers) and a cap under my helmet
__________________
"I feel like my world was classier before I found cyclocross."
- Mandi M.