It was in the 20s for today's ride, and I added a layer to everything I've been wearing thus far. Over my knickers, I wore a pair of black non-cycling tights. Luckily, they don't have that white fabric at the crotch, so they looked okay. Well, I hope they looked okay, and not like I was wearing pantyhose ! I liked them better than my cycling tights that make me slide forward on my saddle, and they were totally warm.