The temps have felt similar here as well in the morning, and I'm still getting used to it. Crawl out of bed, nice and warm into the cool room (note to self: time to fire up the boiler and vent the pipes if necessary to catch problems before its cold) and then hop on the bike, freezing for the first few blocks. After that, the hoodie or track jacket is a bit much and I either pull the sleeves up or take it off and throw it in my backpack. I'll have to pick up some long sleeved shirts, might just be the balance I need. Also, I agree with the assessment about full fingered gloves for the morning. This summer I learned how awesome fingerless gloves are, but now I kind of want my fingers to not be frozen.