Skinimini,

It's maybe 65 degrees here and I just went for a ride. I've a bit of a cold, so I didn't ride very hard so I probably wore more clothes than I normally do for a ride in these temps. But I had an ibex wool tank/bra on, a short sleeve jersey, and an ibex wool serrano full zip jersey over that - the serrano is fairly thin, but is a great layering piece - keeps you warm, wicks away sweat, and being full zip you can unzip or zip as much as you want... and it does let some wind in to cool you down if you're working hard. I just wore bike shorts on the bottom. I did have leg warmers & a lightweight windshell in my pack.

On a normal ride, I'd have stripped off the serrano probably because I've found that even in 30 or 40 degree weather after I get warmed up and am working hard - I overheat if I'm wearing more than a jersey & shorts... Unless I stop moving, then I freeze. Those rides I'll usually have arm & leg warmers on to remove as needed... I have a fuzzier capri set of bike shorts that I use in the cold. I also might use my mammut ultimate hoody instead of my lightweight windshell... the ultimate hoody basically completely unzips at the pitzips... it's gore windstopper, so it blocks all the wind, but I can also completely regulate my temperature by unzipping the sides or front.