Got good advice from my kid about outdoor exercising when it starts getting cool (cold) He says that runners use a 20 degree rule of thumb. That is, ride wearing clothes for temps that are 20 degrees warmer than the ambient temp. So if it is 50 out, wear what you would wear outside when it is 70 and you are just hanging out. I find that overdressing can make a person cold, because you sweat and then the soaked t-shirts or whatever can chill a person. This is especially true on longer rides where you stop for a while and then get going again--really cold. One solution is to carry a spare t-shirt and when you stop, put it on so that you have dry material next to your skin. We all do ride hard enough to sweat, don't we?
__________________
The definition of insanity is doing the same thing over and over and expecting different results.
--Ben Franklin