I ride all year round. I live in Tasmania and it's usually below 10-15 degrees C on average during the day, usually about 0 with frost and fog when I leave home. We don't get snow though. I will ride in light showers but not proper rain, and if it is VERY windy (usually in spring here) then I might give it a miss if it is gusty and especially if it's a cross wind. Tail or head winds are ok, so long as they're not confused and coming from all angles.
So what I wear in winter:
Trackies tucked into fluffy wool blend socks (they don't make my feet sweat and stink as much
). My legs get cold sometimes, but usually you warm up after a bit and wearing thermals underneath gets uncomfortable and hard to remove once you're warm.
t-shirt or long sleeve cotton t-shirt (on REALLY cold mornings a thermal top), a zip up cotton/elastane second layer. This USUALLY does me for anything above about 8 degrees.
Under about 5 degrees or if it's foggy I will put on my wind stopping jacket until warm up (like a spray jacket - it's actually my old footy umpiring jacket - elasticised sleeve cuffs are a must, otherwise they get caught on your handlebars and brakes.) A note with waterproof stuff though - generally I tend to find you get wetter with sweat because it can't evaporate than rain, unless it's a real downpour. I take it off once I'm warm.
I also wear cycling gloves - full finger for winter and half for summer. Not only helps with wind chill but also if they are proper bike gloves they protect the nerve in your palm AND in the event of a crash they will save your palms from having all the skin ripped off. IMHO gloves are essential. On REALLY cold days I will put another pair of normal gloves over the top until I've warmed up.
On the really cold days, like 0 and under with heavy frost, I wear a neck warmer (double thickness polar fleece tube that I put press studs on for easy removal).
I also wear a head band/ear warmer (from the bike shop so it's thin material that doesn't interfere with the helmet) all year round because my ears feel the cold
And because at out latitude it is generally dark when I leave and come home in winter, I also wear a reflector vest over the top and I have flashy lights on my bike. I've still had some near misses though
Hope that helps!
35kg lost. (November 2005 - October 2006)
15kg gained again (as at October 2010).
Back to the drawing board - Let's do this thing!
"You can't change the winds, but you can change the sails"
"Reach out and take control of what lands in your lap"