Knowing it and knowing how to do it successfully are two different things. [/QUOTE]

You want layering pieces that come off easily, and are not too heavy to carry if you do take them off, and don't add so much bulk you feel like the little brother in "A Christmas Story" who can't put his arms down in his snow suit. I like to wear a bolero as my outer layer when it's cold at the beginning of the ride. If I get too hot, it's easy to remove. It also fits nicely in my empty water bottle cage, so I don't have to stuff it in my jersey pocket.

A buff is also a good thing. You can wear it many ways, as a balaclava, a hat, a neck warmer. It's very versatile, and balls up to almost nothing when you take it off. You can even wrap it around your wrist to carry it if you take it off.

Instead of wool, you can wear super light microfiber base layers. I like the ones that have holes for your thumb to fit through, that keep the wind from blowing up your arms. If it gets warm, you can take your thumbs out of the holes and roll up the sleeves. I have some from EMS that I wear often. The fabric seems not of this world. When you wash it, it comes out of the water almost dry. It is a little freaky, but they really are very warm.

With layering, I have found that less is more. A few thin layers is the most you will ever need. Any more and you will roast.