frost and even ice when I took the kids in, set off about 9.15, bib longs, long sleeve jersey and a cheap and cheerful showerproof top, and overshoes
fine and tending to the hot, suspect it would have been cold in just jersey, I finished with the showerproof top unzipped, took it fairly easy today mind
it was so cold that I found the tiniest amounts of zip undoing made really differences, a little of the air today made a big big difference
anyway, I'm confident now that that setup will get me through the whole winter