I was going to add…what works well for one rider might not work for another rider in the same conditions. There have been occasions when I’ll have amply layers on for me…rather lite IMO…but my hands get cold (sometimes even in the low 60s°F). So I’ll have few, lite layers on my body…but wearing big thick gloves/mittens. Then, I’ll pass other riders who are all bundled up on top, and they’re bare-handed. — Dan