Got soaked again yesterday for the ride home. The temperature dropped about 20 degrees in 2 hours, earlier than the weather service said it would, and all I had was my nylon jacket and shorts. Pouring rain, 40-some degrees. Oh and a light headwind. My hands were cold before I'd gone one mile, so I pushed myself to generate heat. It worked. Had a pretty fast ride home, actually.
This morning it was in the mid 30s. Crosswind. No rain though. Lots of squirrels.
I'm prepping the MTB tonight in case it snows. 30% chance.