Having just started bike commuting, I'm still learning which clothes to wear in which temps. It was 35 when I left my house this morning. I was wearing bike shorts with wind pants, an under armor cold gear top with a wind jacket on top of that, a windproof beanie and windproof fleece gloves. I got about half-way to work and I was hot! Probably should have used a bandana instead of the beanie, tights instead of the wind pants, and traded the wind jacket for another long-sleeved shirt on top of the UA. Learning curves are fun!