I have different layers of thermal jerseys, as well as some long sleeved jerseys that are just jerseys. Three kinds of base layers, too (LS,SS, sleeveless), to give me lots of choices. In a couple of weeks, when I am more used to temperatures in the 40s, I might have chosen a different jersey weight, or even a ss jersey with arm warmers and a base layer, which works at times. My issue is the first almost 2 miles of my commute is downhill, and even if I go slowly, it is freezing. I absolutely have to have warm hands and feet! I didn't wear my winter boots Tuesday, because I knew I'd be wearing capris on the way home and that would be weird, so I wore my warmest wool socks, chemical heaters, and booties. I would have worn my heated gloves, if I knew where DH put them, so I wore my Mavic thermals, with a very thin wool liner. I still can't wear my Amphib gloves, without fear of getting them caught in the shifter, which happened once, and that was enough. In retrospect, since I had bought my work clothes to work the day before, I should have brought a lighter jersey. I have not been riding my Guru with the pannier, so my little napsack can only hold so much. I need to start riding that bike again... it is lonely. Riding it up the hill, with a packed pannier just kills my back. When I move to the condo, it will be a totally flat 3 mile ride.