I splurged yesterday and bought a cycling jersey that is supposed to be for 40 degree weather. Any lower temperature than that I have to think if I really want to go riding.
We gave up motorcycling many years ago. I still have an Under Armour top I wore under a shirt and BMW motorcycle jacket for extra warmth. I also have a pair of Under Armour tights (no feet) I wore under slacks and then under my BMW motorcycle pants for warmth. The Under Armour did what it was supposed to do. I could sit on the back of the motorcycle in 40 degree weather more comfortably with the Under Armour on than without it.
I wore the Under Armour during my last chilly ride. It really, really helped!
kajero
2013 Trek FX 7.6 WSD
2012 Specialized Ruby WSD
2004 Schwinn (I think that is the year)