Ah, an excuse to don your charity ride hat again, we will let you wear that at least
NA Thinks Just End 2 End Return + Bivvy - Some day Soon I hope You'll Still Find Me At The Top Of A Hill Please forgive the poor Grammar I blame it on my mobile and phat thinkers.
For me Hot/warm weather: Thin short sleeved mesh top shorts socks fingerless gloves
cold- change thin short sleeved mesh top for fleece top with mesh back and sleeves, add leggings
very cold - change to thicker fleece, still mesh back, but fleece sleeves; gloves with fingers, thicker socks, still mesh shoes
if wet, waterproof shoes with neoprene collars, very thin breathable waterproof, waterproof gloves
That's it.
If it is really, really cold and I'll be stopping for long periods to draw or something, I would go mad and combine 2 of the tops, or take an extra one with me. I don't wear underwear on the bike.
I'd be roasted alive if I wore what some of you wear! I just run hot I suppose. Most of you would be skinnier than me, especially as males have less fat just under the skin, which may make a difference.