Temp about 4C (38F), no wind, nice ride. Wore shorts and a jersey under a heavier-weight long sleeved jersey, legs were bright red at the end of the ride, toes and thumb/fingertips were numbish. Need to find better gloves and a shoe/toe cover. Afternoon forecast is 22C (71F) so the ride home will be nice.

Just like vtjim ^^^, I saw another cyclist in winter coat, toque, gloves and wondered also if s/he would be too warm.