Sub 10F and my legs freeze in just tights. As for the torso, this is the first week using wool. I am used to regular jerseys and layer appropriately. Next time I will try without the long john top.
Wool is freaking awesome! I need more.

I take a month off and forget how to layer. Go figure....
danka
Also, I overheat in 60F with just a jersey and shorts. I think there may be more to my overheating than the clothing I am wearing.