70F - Bib shorts & short-sleeved Jersey, half-finger gloves, helmet (of course)
60's - add arm warmers
upper 50's - add under shirt
lower 50's - add knee warmers, wind vest or wind breaker
upper 40's - add light full-fingered gloves, toe warmers
lower 40's - add leg warmers (remove knee warmers), heavier jacket w/liner (remove wind breaker or vest)
30's - add head band, wind breaker below heavy jacket, cold weather gloves (remove light gloves), full booties (remove toe warmers)
20's - SoCal doesn't get that cold
