50F vs 49F - funny - maybe a mental thing to see that number 4. It was 50 when I left and 49 when I got to work. I wore light weight gloves and a jacket. I was afraid the jacket would get too warm as the sun came up, but, no, I was comfortable and only unzipped it a little for the last couple of miles.
And I may as well mention I was wearing my new Gore Bike Wear neon green jacket. I found it about 2 months on a clearance rack at Sun & Ski Sport.