How does she like it, tibikefor2? We can't have outdoor pools in my neighborhood... I was thinking about one of those (someday!) for my wife, in a sunroom. She was a swimmer in high school and college and misses having a pool at hand.
I'm with you guys on the difficult-to-pack-for weather. It was 45 degrees this morning, with a real chill in the air. It felt colder than the 41 I rode in the other day. So chilly... I am in desparate need of gloves. My face and ears are a little chilly when I start, so I might have to look into a balaclava or something.
I have been wearing a long sleeve base layer (Patagonia Capilene) or similar, under a Mountain Hardwear soft shell (Velocity, I think it's called). I wear long warmup pants from Old Navy, they work great. Those combined will take me well into fall. I don't pack rain gear because both are water resistant enough to get me home. If it's a rainy morning I'll wear my Mountain Hardware waterproof shell over top, or use that day as a car commute day. I do need to figure out the extremeties thing.
Of course, it'll be 71 on the way home and riding in that stuff I'd roast

I typically pack shorts in the morning, and then wear those and a long-sleeve base layer on the way home.
Almost forgot: I also switched helmets from an airy fancy helmet to a Bell BMX helmet I got for $6. It has less vents and is better for cool mornings.