I remember at the start of my first century (Tour de Tucson) seeing a woman in front of me wearing shorts and a sleeveless jersey. I don't usually wear much either but at the time it was 45 degrees. I was cold looking at her. Of course I was also wearing a sleeveless jersey but at least had on a bolero.

The coldest I've ever been on a ride... several years back I did a tour through Utah. It was in September. Weather varied alot. I never got it right. Day before I was over dressed. Knowing I had some climbing ahead of me I wore a ss jersey, shorts and arm warmers. Well that morning it was 30 degrees and we had a 10 mile downhill before the climb (which I did not know about). After zooming downhill for 5 miles I lost all feeling in my legs, arms, fingers and I couldn't see - I think my contacts froze. A friend made me stop riding and got me into a local truck stop, took me to the rest room and put me under the arm blower to warm up. I sat under that thing for 20 minutes. We then decided to have coffee and some pastries and waited until it warmed up. By the time we started I was now roasting in ss and wish I wore sleeveless. I just never got it right!