Where do y'all go that you need so much stinkin' clothes?? Here's my setup:
70+: short-sleeve running shirt
60-70: long-sleeve hiking shirt (Patagonia Capilene 3)
50-60: short-sleeve shirt with waterproof jacket
40-50: long-sleeve shirt with waterproof jacket
30-40: all three
Below Freezing: Why would I ever voluntarily go anywhere that gets that cold? And if it's that cold where I live, I'm not going for a ride today.