I ride in jeans and a wicking shirt of some sort. If its below about 25F, I add a cotton t-shirt. Then a neoprene omni whatever jacket. I lighten up the jacket to just a lined windbreaker when the temp get much above 30F. When I get to work, I cool down for a couple of minutes, and then change the polyester shirt for a button down, and I'm good to go. 6.4 mile RT.