48°

-O2 jacket
-shorts
-cotton socks
-shoes
-full fingered gloves
-Novara bike shirt

Head cold for first 4.5 miles, then was fine, and even unzipped my jacket some.

43° Wind chill of 41°

-O2 Jacket
-Scull cap
-shorts
-quick dry shirt (REI)
-cotton socks
-wrist warmers
-insulated gloves

Was comfortable.

36°

-o2 Jacket
-polar tech vest
-shorts
-wool socks
-skull cap
-insulated gloves
-REI quick dry shirt

Was comfortable on the ride.