|-10 to 32F||boots, J&G raincoat and rainpants, snowboard mittens (bring thin knit gloves as liners if needed), balaclava, 1 short sleeved, one polar fleece top|
|33-45F||boots, J&G raincoat, balaclava, 1 short sleeved,snowboard mittens (if raining: J&G rainpants and boot covers)|
|45-55F||sneakers, thin winter headband,J&G raincoat, cotton t-shirt, thin knit gloves (if raining: J&G rainpants and boot covers)|
|55-60F||sneakers, work pants (if raining, non-work pants), non-work t-shirt|
|60F and up||sneakers, non-work shorts and non-work cotton top|
Remember that I put fenders on my bike and they keep me from getting wet from below. Above 60 degrees, I generally don't worry about getting wet. A wind resistant jacket will keep me warm at colder temperatures and layering underneath means you can leave off a layer if the weather warms. The wonderful pit zips on my J&G raincoat are almost never zipped closed.