Last year I bought an Endura Air Defence like
this and it is pretty good. I use it with a long sleeved base layer and it is fine between about 0 and 6 degrees. Above that I probably go for short sleeve base layer. I can live with it then up to about 10 deg but not much above
From 5 degrees upwards and if likely to warm up I wear a Lusso Breathe like
this - mine is actually all yellow and more hi viz than shown in the pic. If you want the all hiviz one I got mine from a small LBS in Honiton, then got them to order in another and post it
http://www.cycle1.co.uk/ - I could not find it anywhere else. That jersey with a long sleeve base layer is fine from about 5-12 degrees and I usually add a nylon gilet, which allows for flexibility if it warms up. It has a nice fleecy lining. For the gilet
this Craft version is a superb product and is much brighter than the pic, with good reflective strips all round and a mesh back as it is designed for running
Now I have sussed what to wear in what temps I am getting more rides in and making the best of the winter