Cold this morning, 22 degrees when I left at 5:40 a.m. I wore: two shirts (one long, one short sleeve), my fleece vest, riding jacket, long pants, wool socks, skull cap and gloves and was just fine. I finally figured out that I can cinch up the wrists of the jacket and seel the sleeves from wind (big 'duhh'). I also found the perfect gear and spun in almost exclusively in that gear. I rode somewhat slower than usual at a fairly high cadence and found that helped keep me plenty warm.