Have to go out before I get kitted up, with the winds and our humidity most of the year the ambient air temp isn't enough of a guide. Rule of thumb, though, 70°+ its shorts and SS jersey, <70° its tights over shorts or bib tights and a LS jersey, throw in a compression shirt when its cooler.

Maybe you should get some arm and leg warmers you can shed if it gets too warm after riding a bit. Not very expensive and you can stow them in a jersey pocket easily.

Bill