This morning I was out for a ride from around 6:30 to 7:00 am and it was brisk. Around 10C (50F), maybe a bit lower when I got down by the lake. But I thought I was tough enough to put up with the chill, and prepared: a liner for a hat that fits snugly, covers the ears and fits under my helmet. Using rainpaints over bib shorts, and 2 layers of shirts.
So I'm riding along thinking that I should get gloves with full fingers this weekend, and what layers or items I'm going to add if it gets much colder, and pull up to a red light. There's a girl on her bike, commuting to work in shorts and a t-shirt.
"Aren't you freezing?" I asked. "Naw, it's okay as long as you keep moving" she laughed.