Dress in layers. If you are a little chilly when you start out, think that once you hit the bridge you will probably be feeling just right. You'll know how many layers to wear with experience. I have a Pearl Izumi jacket that is nice and warm as the front is wind proof and all, but the back is almost all meshy material. It is pretty tight fitting though, you may find something else that they offer that isn't. It really all depends on how much money you want to spend. I'm sure if you spend enough, you'll find something you like. My strategy is to find somethign that works well for ~40 degrees, then add layers as appropriate. I recently got a Sugoi Zap Jacket that I have taken on all of 2 rides...it worked really well but I can't attest to how great it is until I get more rides.