after reading this thread decided to go out for a ride in ystdy's icy drizzle, see how my layers held up. Report -- ls bike shirt, light ls fleece shirt, fleece vest, turtle fur neck gaiter under REI high viz jacket worked better than my Golite softshell under hi-viz jacket the night before. Tights over bike shorts were perfectly adequate. It was gray enuf ystdy that I decided the hi-viz was important. Only uncomfortable part was mile long downhill, with wind and drizzle hitting my cheeks. My triple glove rig worked great -- glove liners, then my fingerless bike gloves, then my windstopper gloves. I've used these in the past when I commuted when it was sooooo cold in the a.m. and the ride home was shorts and a T.

And my Polar Bottle did a GREAT job at keeping my tea warm, as I pedaled from open studio to open studio in the Boulder area's annual art event.