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                             Yep, its autumn going on winter and time to re-check the wardrobe with gear to match. Des suggested the conclusions of this article may be helpful: 
70 Degrees (21C):  Shorts and short-sleeve jersey.  
60 Degrees (15.5C):  Shorts and long-sleeve jersey or long-sleeve thin undershirt. 
50 Degrees (10C):  Tights or leg warmers; heavy long-sleeve jersey with sleeveless or short-sleeve wicking undershirt; or lightweight long-sleeve jersey with long-sleeve undershirt. 
45 Degrees (7C):  Tights or leg warmers; long-sleeve wicking undershirt and lined cycling jacket;  thin full-fingered gloves; headband covering ears; wool socks and shoe covers. 
40 Degrees (4.4C):  Tights or leg warmers; long-sleeve heavy mock turtleneck (I like Under Armour) and lined cycling jacket; medium-weight gloves; headband covering ears;  winter cycling shoes, shoe covers, wool socks. 
35 Degrees (1.7C):  Heavyweight tights; long-sleeve heavy wicking turtleneck undershirt and heavy cycling jacket; heavy-weight gloves; headband covering ears;  winter cycling shoes, shoe covers, wool socks with charcoal toe warmers. 
30 Degrees (-1C):  Heavyweight tights; long-sleeve heavy wicking turtleneck undershirt and heavy cycling jacket; heavy-weight gloves; lined skullcap; winter cycling shoes, shoe covers, wool socks with charcoal toe warmers. 
25 Degrees (-3.9C):  Winter bib tights; long-sleeve heavy wicking full turtleneck undershirt, long-sleeve jersey and lined cycling jacket; mittens or lobster claw gloves; balaclava; winter cycling shoes, wool socks, plastic bag, charcoal toe warmers. 
20 Degrees (-6.7) and below:  Winter bib tights; long-sleeve heavy wicking full turtleneck undershirt, long-sleeve jersey and lined cycling jacket; mittens or lobster claw gloves; balaclava; winter cycling shoes, wool socks, plastic bag, charcoal toe warmers. 
 
Personally anything below 37F/3C is irrelevant as I will still be under the bedclothes. YMMV. 
 
 
Happy Cycling! 
  
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