Oh, one other thing.

Sometimes here the temperature swings can be enormous, particularly because I favor getting an early start and, on a Saturday, ride 4-6 hours. In the late fall, it might start out in the mid 20s at 8 AM and be 60 by the time I finish at 1 or 2 PM. In those cases, I have a very small backpack, so I can take off thicker layers and have a place to put them. There's only so much you can fit in your jersey pockets, and, in my experience, tying a jacket around your waste is asking for trouble, or at a minimum annoyance.