First let me say I seldom write reviews, however I would like to share what works for me in central Arizona. For temps down to about 28. I have been able to use the Castelli Gabba 3 jersey with Nano Flex arm warmers. 1-2 layers underneath, depending on how cold you expect. I have base layers of wool and the stuff from Craft, long and short sleeve. Windblock is good depending on conditions. I also use Knickers or tights, wool socks and shoe covers.I have found that knickers/tights without chamois works well, just wear your bibs for the chamois. I recommend Assos T-Equipe s7 bibs. I have a pair of Giro Blaze gloves. A neck Thingy is nice. For the head, a Beanie that covers the ears and I also use one of those cycling caps with a bill. For below 25 you need heavier gloves, those Craft Merino liners work great inside gloves. Below 25 add a windblock jacket and maybe a Baklava. These are good for a 50-60 miler, use what you need depending on what temp you expect. Castelli runs small. Assos usually true to size.