During winter I wore a merino base layer with a polyester long shirt over it, long and thick cycling bib tights, merino socks and goretex MTB shoes. A water and windproof cycling jacket, a merino balaclava, ski helmet and safety glasses. Convertible gloves/mittens with merino glove liners. During summer I wear just a t-shirt and some cycling shorts, MTB shoes, socks and helmet, safety glasses and bike gloves. My commute is 18 miles, about 1 hour bike ride.