Weather = Dark and warm - 22F - no wind
Head = Skull cap and helmet
Neck = nothing. I usually zip up my fleece to my chin if it is cold enough
Torso = nike pro fit jersey, cotton t-shirt (to cover up my form fitting jersey. Yes, I know the evils of cotton. It will be replaced with a light wool shirt sometime in the near future), and an old nike windbreaker (due for replacement also).
legs = cycling shorts, cycling tights, and a pair of nike jogging pants
feet = tennis shoes, cotton socks, and wool socks.
Results: fine up top. Legs were too warm. Tomorrow is the same temps. I will not include the jogging pants.