Old 10-14-09, 06:41 PM
  #7  
rm -rf
don't try this at home.
 
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Layers are good. If my core gets cold, I think that makes my fingers and toes get even colder than they would otherwise.

Last winter, at 40F:
poly tshirt
poly longsleeve baselayer. (I have a thin one, like a thin t-shirt, and a heavyweight one with a neck zipper.)
longsleeve jersey.
nylon biking jacket. This jacket lets a bit of air through the fabric, it's not windproof.
Windblocking tights.
Windblocking fabric shoe covers.
Ski gloves -- my fingers get cold easily.
Neck gaiter-- this tube of fleece can be pulled up over my mouth if I get cold. It keeps wind off my neck.
heavyweight skullcap that extends over my ears.

The cheap nylon bike jacket can be worn up to 60F if I just have a short sleeve jersey underneath. But I usually layer a longsleeve jersey and a baselayer instead of the jacket if the temperature will stay in the mid 50s or higher.

I like to bring a folded piece of paper, big enough to cover most of my chest, as an emergency wind vest. It can make a big difference tucked under my jersey if the temperature is colder than expected.
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