You guys have it figured out. I usually dress heavier than most. Still trying to balance wind protection with breathability for upperbody coverage, currently using two layers with a newspaper inbetween because my vest wasn't taking care of it.
My commute is from HAFB to north ogden with two 30~40mph descents early, then a couple of steep climbs close to home. Bag on my back doesn't help either. But every day's an adventure!
I'd give up dry roads for a bunch of snow, my wife and I miss snowshoeing up on the ridge overlooking town.