So you wanna cycle in the winter and aren’t sure what to wear? Here’s what works for me - maybe it gives you some ideas.
Generally speaking, being a bit on the cold side with your upper body when you leave is fine, you’ll warm up a bit. Having clothes that you can open (jacket) or roll up (long sleeves) makes it easy to adjust. For rides longer than an hour, you want to make sure your feet are warm enough, since they tend not to get as much blood circulation and hence don’t warm up as much over time.