lph, I start with light, full fingered cycling gloves, then I change over to short-half fingered gloves when it gets warmer. My fingers unlike my knees/legs are extra sensitive to cold temp., because I have Reynauld's Syndrome.

No my knees don't feel it when it's cold/damp. But no, if it's below freezing as the norm, then of course I will wear long tights.

I know myself: I don't even wear sleeveless tops in hot weather when I cycle. Not for all the years I've been cycling. Not even when I was vacationing in Hawaii.

People /locals in our area consider 18 degrees C, hot. I think it's just perfect temp. I consider 25-35 degrees C hot, depending on the humidity.