Originally Posted by
cb400bill
This chart has been a good starting point for me. YMMV.
In general, I'd agree with the chart, but personally never bothered with arm/leg warmers. E.g. in the 40-50 range, I'd be with a long sleeve jersey and bib knickers. I do realize though that these can be cost effective add-ons to avoid purchasing additional more expensive clothing items. Consider also if you get a jacket to look for one with zip-off sleeves if you think you could find yourself with your arms a bit too warm.
Toe Covers are a good accessory to have as well, especially on windier days and if your normal shoe is the more breathable types of model.