I'll ride outside as long as the ground is dry. Last year the coldest it got was low 30's. I only wore my craft all weather jacket and pants together along with a craft baklava, full fingered gloves, and shoe covers once when it was in the mid-30's and I actually was sweating. The rest of the winter I wore my Craft jacket with leg warmers (and a jersey and shorts), with shoes covers, full fingered gloves, and the Baklava until the weather got up to about 55 degrees, trading the Baklava in for a headband that covered my ears at about 45 degrees. I have yet to wear my craft long sleeve undershirt which is rated for like 25+ degrees, it just wasn't cold enough last year (I'm not complaining!). So, it's good I have room to add on more layers in case it gets colder, but that's not too likely for the Washington area. It's trial and error though figuring out how much you do and don't need.

-Jessica