CC: For what it's worth living in the same city you do: I wear LS jerseys all winter. Course - I also commute all winter. I use them starting when the highs stay below 65 and then just layer under them as the temps keeps dropping. I don't use a jacket until 2 layers of jersey isn't enough - usually when the lows are around 35 - oh - and when the sun doesn't come up until mid-morning since my jacket is illumnite material. This will be my third year of commuting and I appreciat every LS jersey I own.
Also: I don't ride in the winter except to commute - it's just too cold!
Life should NOT be a journey to the grave with the intention of arriving safely in an attractive and well preserved body, but rather to skid in sideways, champagne in one hand, strawberries in the other, body thoroughly used up, totally worn out and screaming: "Yeah Baby! What a Ride!"