i've had lots of days riding in 65 degree weather. lots of days riding in 40 degree weather. but somehow i can't get it right, dressing for 55. i keep overdressing.

i live in NY. today i wore:
thin microfiber pants (too hot after 5-10 min of riding)
thin wool baselayer top (also too hot after 5-10 min of riding)
thin gloves
ankle socks
cycling shoes

my hands start out cold and then quickly overheat within 10-15 min of riding. i suppose i should shed those. i'm thinking i go back to short sleeves and arm warmers. for bottoms, switch back to shorts.

i should just be riding cold, right? or are there any other suggestions?