Probably the worst mistake a newbie can make is underestimating the weather. For temps below 45...a 5-10F drop in temerature is significant. If you're traveling over 10miles, always have a plan B in mind. i.e., carry an extra shirt, and scarf or have a bail out plan of some sort.

There's nothing worse than being 15miles out with no place to warm up, get water or go to the bathroom. Also keep a log of what worked for a particular temperature range.

For those who've cycled a year or more...Remember that what worked last year may not work this year because your circulation has improved. You actually may need to wear less on your torso, but remember to wear warm gear on head, neck, knees and feet.