It's predicted to be around 52ºF around the time I ride tomorrow morning, but often it ends up being a tad cooler than the guess. I'm figuring it may be down to 49º, but I'm prepared.

The coldest I've ever ridden is 22ºF with a wind chill of 12ºF. I may look into getting some hand/foot warmers for really cold days, even though I'll wear one or two layers of wool socks, since I'm riding for more than 1½ hours, often 2 to 2½ hours.