43° for the commute this morning (less than 1/2 hour). I wore shorts, wicking T shirt plus short-sleeve jersey, arm and leg warmers. Above 45 I don't need the leg warmers. Below 40 I sometimes put on sweat pants and use a long-sleeved jersey layer.

I almost never have a jacket or anything insulated, the recent Atlanta-stopping snow storm and 4° being the exception, but I frankly overheated in those two events. Three layers of technical fabric, with two of them long-sleeved, does it for me. If I'm feeling like I might not keep the effort at a warming level or it's in the 20's I'd add a windbreaker on top. Below 20, this year I'd wear a thicker windbreaker over the 3 layers, that would be when I'd wear tights if I had them.