It's funny,,every year I go through a bit of a "conditioning" phase, in getting accustomed to colder temps. Anything below the mid 50's seems cool as we enter autumn, but as the season progresses that doesn't seem cool at all and it takes temps maybe in the low 40's to cause me to feel cold at all on a ride. In the heart of the winter, I will ride in temps down into the mid 20's. That's about my low limit, but there typically aren't many days that get much lower than that here, so it's not a big deal.

The last few days, I've ridden home in temps in the mid to low 40's and it has felt quite comfortable to me. Although I do tend to "overdress" at this point in the year for temps like that; later I will probably remove a layer of clothing for those temps compared to now. I wore a long sleeve base layer and an old school wool jersey on those recent rides in the 40's, on the way home in the evening. I'm still in my yearly cold weather "conditioning" phase at this point.