Plain and simple, layers. I do like
ThermionicScott and make sure I have the ability to change with the conditions. I live a few miles from the Atlantic Ocean. There can be huge differences in temperature and wind levels within short distances. Getting all sweaty and then being in a cold wind coming off the ocean can be miserable. For me, when cold out, If I am not at least a bit chilly when starting out, I have too much on. I do not wait until I feel too warm and start sweating. A thin, wind breaking outer layer with the minimum interior insulation needed to be comfortable. I actually like feeling a bit of coolness. One thing that has become critical is keeping my knees warm. I have knee warmers and tights in addition to bibs for different temp levels, are easily removed or put on, and easy to stash.