I sweated it out in my makeshift clothes: Canari shorts, an old pair of soft workout pants tucked into my new merino socks from Joneswares (I absolutely approve of these, will buy more--very comfortable.) A polyester "golf shirt" on top to try to get at least a little wicking action better than a cotton t-shirt, and a bright yellow IGOLD hooded sweatshirt over that. Forgot my new wool skullcap, which was OK, because I absolutely did not need it or gloves. I'm still kind of guessing at this, and this morning the weather faked me out--it was 57 degrees Fahrenheit when I got out of the car. It'll be in the thirties later this week, and I'll probably want more coverage. I need to get some kind of more breathable top than that sweatshirt next, but this morning worked pretty well. I have the merino skullcap to cover my ears when I need it, and the balaclava is in my pannier waiting for the true cold.