Originally Posted by BobbyG

Gear aside, the most important advice I learned is to judge how you feel after 10 minutes. After a decade of ending up overheated and sweaty, I started wearing less. So it's a little chilly starting out, but delightful after 10 minutes and I arrive at work or home feeling refreshed. In fact this morning I rode in and it was 32F at the start and 36F at the end and I wore a long-sleeve turtleneck, windbreaker, thin belaclava, thin long athletic pants and long finger cotton gloves and felt just toasty once I warmed up 10 min in. I arrived at work 25 min later very dry and refreshed! YMMV.