I overdressed today. I started out kind of cold and my hand were very cold, but after 20 mins or so I started to get too warm and the weather might have warmed up a bit too. Took the sleeves off my jacket and was maybe a tad cold but actually I was find over the rest of the ride even though it cooled off again. My hands warmed up and were never cold again. It's amazing what a warm core can do for the extremities - to a point.
In short. Layers. Non-cotton layers. Wool rocks. I need more wool but it's so darn expensive.