As far as temperatures go and planning:
- I make sure I have layer clothing that is sufficient for range of temperatures I expect when cycling
- I make sure my sleeping bag and tent are sufficient for overnight temperatures.
If it gets too cold in the evening one alternative I have is turning in early in my sleeping bag. So cold temperatures are more of an issue in the morning when I am looking to get going. Again if it is particularly cold I can wait to get going until at least the sun is up and sunlight is making things warmer.