Lycra every time. This morning I was just below 60 with a wind from the SW and rain forecast, so I put on a Lycra sleeveless under shirt, and a long sleeved lycra jersey with my Nike nylon jacket over, lycra cycling shorts, Thermax tights, full finger gloves and helmet and such. I have panniers on my bike with my lunch in one side, and my work clothes (Forest Service Uniform) folded up in the other. It was HUMID and COLD, and that seems like a lot of clothes for a 58 degree morning, but the wind was gusting out of the SW and there was rain in the air. I should have put on my rain jacket, but the nylon jacket isn't as warm as the waterproof jacket is, so I wore it, and now it's sopping wet from the rain I ran into.

TractorTom in Okeechobee, FL