I layer. At about 55 degrees down I'll use some combination of wool socks, fingered gloves (I have insulated and non), regular bike shorts with long bike tights, a Cabellas light silk long shirt, an Under Armour T shirt, an ancient ugly Performance long sleeve poly fleece bike jersey and an equally ugly (but not color matched) Pearl Izumi windbreaker...and a Lycra skull cap under my helmet. My head, hands and feet tend to be the first to go in the cold, so wool or poly fleece best for me...but head and hands are the place I start peeling to regulate body temp. I carry a cotton ankle sock in my pocket to put da junk in if required (works great at cutting cold drafts). Works for me, your opinions and experience may vary.