Yeah Machka. A wool jersey on top of a regular jersey, plus a jacket, at 64 degrees? If it's above 60, I go with standard summer outfits:
Short sleeved jersey
Shorts
Below 60, I add a thin wind breaker
Around 50 I may go to tights over the shorts
Never rode below 50 so far! Will try it this season by adding a long sleeved Nashbar coolmax shirt over my short sleeved jersey and tights. I'm probably going to buy cold weather gloves, and a skull cap for the November temps. After that, back to the gym trainer I guess.