This thread is kinda stale, but I'll chime in. I'm a total newbie, and I can still remember the conditions and distances of every ride I've done so far lol. I also don't have squat for "cycling clothes", just a couple pairs of cycling shorts. the first two rides were around 25 degrees, and I went 4.6 miles one day and 10.4 the next. On these das, I wore two layers of thin socks (highly ineffective=frozen toes), windpants over my shorts, an UnderArmour coldgear top under a THIN cotton blend turtleneck, with a windbreaker as the outer layer, and a beanie under a fleece balaclava for my noggin. Everything was comfortable, in fact overly warm as I was sweating quite a bit, except for my feet, but I've got a new trick for that, and we'll get here shortly. I rode 13 miles one day in the 40's, and the only change was omitting the balaclava and windbreaker jacket, and substituting a THIN athletic shirt over my UnderArmour, and I was really very comfortable. Today I rode in the 30's about 8 miles, and the change to my clothing for this ride was cutting the corners out of a plastic walmart sack, and wrapping that outside my thick wool socks inside my shoes. I saw this trick on another forum and it works great. Again, I got hot, so I stopped and pulled off the balaclava and continued on. Still a little sweaty, but for my purposes that's NBD. Just take the layering advice, go light, and for god's sake, just EXPERIMENT WITH WHAT You HAVE, and find out what suits your style and purposes.