My 12.4 mile ride across Raleigh was pleasant at a brisk 23*. Clothing was as follows:

Head: Nylon skullcap under helmet
Torso: REI long sleeve light base layer (100 wt), Pearl Izumi short sleeve shirt, Pearl Izumi Select (200 wt) long sleeve jacket, wind shell
Legs: PI medium wt tights, MtB shorts
Feet: Wool 8" hiking socks, Bontrager MtB shoes, toe wind shield

I was cool as I left the house. Face was cold and I was certain I was going to REI for a balaclava tonight. Half a mile in I was comfortable. Two miles in my face was fine. 5 miles in I was sweating. 10 miles in my toes were getting cool.

All-in-all quite nice. The only change I will make is full booties for the next sub-30* commute.

Riding in the cold isn't bad if you're dressed for it, have you seen the winter cycling forum? Lots of tips there....

Its a rare and wonderful feeling when you get it just right.

I've always found the challenge isn't to stay warm enough, but to not go too far and overheat early on in the ride.

Yep, a little on the cool side to start is best.

Now, those balmy 80 degree summer mornings.......