Originally Posted by
alan s
Also, the advantage of layers is the ride in is usually much colder than the ride home, so you can adjust for the temperature. Could be 30 in the morning and 50 in the evening. That's a two layer difference for me to ride comfortably.
+1, that's why I use 2 panniers, one for the day's lunch and work clothes, the other for spare cycling clothes (coming or going).