I'm in Arkansas that has warmer temps in the fall and early winter months. What I found works for me is wearing capris paired with a short sleeve jersey and vest in temps of 65 F or so. With temps of 60 F or so, I'll put on a summer weight long sleeve jersey and a vest and capris. In the dead of winter I'll wear a wool jersey with a wool tank underneath, bike shorts paired with a pair of fleecy tights, and a jacket. Or I'll wear a jersey with windblock and a wool tank . I have worn a helmet cover in the past but this year I'm going with a cap under the helmet so that I don't look like a mushroom.