The clothing you need is highly variable depending on your age and how fit or fat you are, and how acclimated to cold weather you are, also depends on how long you're going to be out. Down to around 65 degrees F, I'm good with regular shorts and short-sleeve jersey. Down to around 55 degrees F, I can still use shorts with long-sleeve jersey or maybe two jerseys. Below that, I'll be wearing tights and however many jerseys it takes to stay warm. Experiment and see what works for you.