Thanks Lisa and Deb - I think I'm good with the daytime-on-the-bike wear, I just don't know what to do for "evening wear" - is there such a thing in VT?

Lisa - I wear a Smartwool lightweight crew neck year round, nearly, so I figured that would be one of my choices. I'm changing into a long-sleeve version for my commute home tonight, as I type (one-handed ). I know of what you speak.