The ride is now behind me, AND the starting temps were in the 50's, not the 40's as predicted. I went with my light weight Sugoui Mid-Zero tights over shorts, a wool base layer, SS jersey (not wool), light weight convertible windbreaker, full gloves and toe covers. Nothing on ears or head aside from my helmet

At the first SAG, about 17 miles into the ride, I removed the toe covers and got rid of the sleeves from the windbreaker but kept the shell. Considering there was a chilly wind when the sun wasn't out I was quite comfortable and left the tights and everything else on. A couple of times when the sun was out I got a little warm, but that happened so rarely that I was glad I had everything else on. I get cold! There were a few times I regretted loosing the toe covers but that was fine.