47.7°

-O2 jacket

-full fingered  gloves

Was comfortable.

48°

-tshirt

-short sleeved shirt

-khakis

-full finger gloves

Was comfortable.

51°

-tshirt

-khakis

-full finger gloves

Was comfortable, but part may be due to that I had to ride the 4 miles in under 14 minutes, so I stayed warm without a jacket.

41°, wind chill 36°

-O2 jacket

-fleece vest

-skull cap (half the time)

-insulated gloves

Was warm in the chest & head, but ears got cold when I took off cap.

46°, wind chill 42°

-O2 jacket

-full fingered gloves

-jeans

Was comfortable.

39°

-O2 jacket

-fleece vest

-ful fingered gloves

-skull cap

Was comfortable.

34°, wind chill of 28°, light rain

-O2 jacket

-fleece vest

-skull cap

-insulated gloves

-O2 rain pants

Was able to stay warm and dry thanks to the rain gear and fenders. I actually rather enjoyed the ride.