+1 on this. But, I've learned I can be comfortable with knee and arm warmers down to about 45 degrees. Rain is a lot harder to deal with, if you have a waterproof jacket, it's also likely airproof and sweatproof, so you'll almost end up just as wet as if you didn't wear it, which is a little more gross.

Congratulations on the century Seth! Closest I've gotten is 71, but that was on a tour so I was a little more loaded and at a more leisurely pace. It's on my list of things to do next year.