I agree with all of the above. I have a Pearl Izumi jacket and the sleeves zip off to make it a vest. I just bought arm warmers. I usually wear a long-sleeve microfiber shirt under short-sleeve jerseys and tights over my bike shorts. My hands got the coldest so I am trying a different pair of long-finger gloves this year. I also wear a microfiber hat or headband under my helmet.
"Well-behaved women seldom make history." --Laurel Thatcher Ulrich
'09 Trek WSD 2.1 with a Brooks B-68 saddle
'11 Trek WSD Madone 5.2 with Brooks B-17