I'm a runner. Have run in -14F, but bike is a completely different beast. I'd like to stay off the trainer until the snow falls, but we're already down to mid 40s during the day.

What do I wear on a ride? It gets colder in lower temperatures. Do I need windproof shirts? Sleeves? I was so cold on my last ride (48 degrees). I do wear gloves, but they're fingerless. My hands weren't cold, just my arms.

I have lots of run clothes and I can wear them, but I'm worried I'll get too warm and I'm not sure where to store them. (This is so much easier when you run and just tie a jacket around your waist.)

Suggestions for necessity clothing? Where do I stash it if I get too hot or keep it if I think I might get too cold? Can I wear a knit hat under my helmet or is that going to screw up the placement?