On my commute this morning (4:30am), the temp was 35F. I wore PI Thermal Tights, smartwool socks, Terry shoe covers, a short sleeved jersey with armskins, a light weight jacket...Hands were covered with thicker gloves (not bicycling becasue I can't find small enough "winter" gloves that don't have excess finger tips), and on my head/neck a neck gator pulled up over my ears and head but still fit under my helmet. The sun was not up and I think 35 feels colder in the dark than it does when the sun is up. For my ride home (forcasted to be 55F to 60F), I will leave off the shoe covers, armskins and neck gator and wear my fingerless bike gloves. I still work up a sweat on my morning commute, but all in all, I was comfortable.....