Cold is actually a little bit counterintuitive on a bike. Being too warm is actually a greater concern than being too cold. Bundling up too much actually causes

Cold is actually a little bit counterintuitive on a bike. Being too warm is actually a greater concern than being too cold. Bundling up too much actually causes you to sweat and the sweat ends up freezing, which is bad. My advice is to usually wear thinner layers, and have more layers that way you can remove layers if you're too hot. My baseline warmth is basically whatever you'd wear if you weren't cycling and then remove a layer or two. The first couple minutes of riding might be a little cold, but you warm up very quickly. Gloves are absolutely a must, even on days that are brisk but not freezing. Beyond that, something to cover your ears on cold days is usually a good idea.