I don't think I've posted in this thread before.

4C this am in Toronto, windy, light rain. It was cold enough to ride fairly fast with no worries about sweating, but there was some wet leaf slime to contend with so I was cautious in places. I skipped the ear band and my ears were cold until I got a couple of km south - even on my 8km commute you can feel a slight weather change as you head downhill towards Lake Ontario. Fingers a bit cold when I locked up. I need some wet weather fall gloves.