I appear to either have a sixth sense or just blind luck that I am able to match my clothing to the conditions intuitively and usually get it spot on. Either that or I have a very broad latitude for running temperature.
Anyway, a couple of examples from me:
MTB - end of last year went out in -5°C for a couple of hours. No issues regarding traction but for clothing it went something like:
- Head: thin skull cap (Planet-X jobbie), helmet
- Top: buff, compression layer, microfleece layer, jersey, shell jacket (all long-sleeved)
- Hands: cheap Aldi motorcycle winter gloves
- Lower: fleece-lined B-Twin bib tights (so a bit of top coverage too), Endura Singletrack trousers
- Feet: Aldi copycat Sealskinz socks, Shimano M065 shoes, Planet-X overshoes
Snug as a ruggy bug I was, despite my Camelbak freezing. In fact I was quite surprised when I checked the temperature on my Bolt that it was so cold.
Last weekend I was on the road/gravel starting around 3°C with frost still lingering in shady places. Again no traction issues and clothing was:
- Helmet, buff
- Compression layer, jersey, fleece-lined shell jacket
- Rockbros neoprene gloves (Xmas pressie, very impressed so far)
- compression leggings, same bib-tights as above
- merino socks, same shoes
I spend the majority of my time at a 'tempo' heart rate, with more strenuous effort on climbs where I do get warm and then occasional chilling on longer descents.
Both rides above were nominally dry, but there was some standing water - wet feet soon get cold so I try to avoid that. I have a couple of waterproof outer layers but almost never wear them. Only in a proper downpour will they come out; my shells are pretty good at shaking off or absorbing lighter rain and drizzle.
For warmth the buff is great bang-for-buck and very versatile should you need a helmet liner or lower face cover. Overshoes are also worth a punt (the overshoes, skull cap and merino socks came as part of a Planet-X bundle a couple of years ago and I've had my money's-worth out of them).