| Temp | Torso | Legs | Feet | Head | Hands | Other | Notes |
| 10 | Long sleeve Jersey, thermal l/s base layer, warmest thermal jacket | Thermal tights | Winter booties + toe warmers, wool socks, heated insoles, winter shoes if possible | Skull cap + balaclava + helmet cover | Warmest winter gloves, hand warmers | Think about going mountain biking instead? | Limit rides to 2 hours or less, careful of frostbite, don't go out if temp. or windchill is below 10. Put bottles in pockets to prevent freezing |
| 15 | Long sleeve Jersey, thermal l/s base layer, warmest thermal jacket | Thermal tights | Winter booties + toe warmers, wool socks, heated insoles | Skull cap + balaclava + helmet cover | Warmest winter gloves, hand warmers | Think about going mountain biking instead? | Limit rides to 2.5 hours or less, careful of frostbite, don't go out if temp. Put bottles in pockets to prevent freezing |
| 20 | Long sleeve Jersey, thermal l/s base layer, warmest thermal jacket | Thermal tights | Winter booties + toe warmers, wool socks, heated insoles | Skull cap + balaclava + helmet cover | Warmest winter gloves, hand warmers | Limit rides to 3 hours or less. Put bottles in pockets to prevent freezing | |
| 25 | Long sleeve Jersey, thermal l/s base layer, 2nd warmest thermal jacket | Thermal tights | Winter booties + toe warmers, wool socks, heated insoles | Balaclava | Warmest winter gloves, maybe hand warmers | Use fenders if there is moisture on the roads. Put bottles in pockets to prevent freezing | |
| 30 | Long sleeve Jersey, thermal l/s or s/s base layer, 2nd warmest thermal jacket | Thermal tights | Winter booties + toe warmers, maybe heated insoles | Winter hat | Medium weight Winter gloves | Use fenders if there is moisture on the roads | |
| 35 | Long sleeve Jersey, thermal l/s or s/s base layer, lightweight jacket or thermal vest | Shorts + leg warmers or lightweight tights | Winter booties | Winter hat or skull cap | Medium weight Winter gloves | Use fenders if there is moisture on the roads | |
| 40 | Long sleeve Jersey, thermal s/s base layer, lightweight jacket or thermal vest | Shorts + leg warmers or lightweight tights | Medium weight booties | skull cap | Medium weight Winter gloves | Wear removable clothing under changing weather conditions. Bring rain cape or light jacket if raining | |
| 45 | Thin long sleeve jersey or Short sleeve + arm warmers, wicking base layer, light jacket or wind vest | Shorts + leg warmers | Medium weight booties | skull cap or cycling cap | Lightweight winter gloves | Possibly warming balm | Wear removable clothing under changing weather conditions. Bring rain cape or light jacket if raining |
| 50 | Short sleeve + arm warmers, wicking base layer, wind vest | Kinckers or shorts + knee warmers or leg warmers | Light booties (windblock) or toe covers | Cycling cap or nothing | Lightweight full finger gloves | Possibly warming balm | Wear removable clothing under changing weather conditions. Bring rain cape or light jacket if raining |
| 55 | Short sleeve + arm warmers, wicking base layer, wind vest | Kinckers or shorts + knee warmers or leg warmers | Light booties (windblock) or toe covers | Light cap or nothing | Lightweight full finger gloves or no gloves | Possibly warming balm | Wear removable clothing under changing weather conditions. Bring rain cape or light jacket if raining |
| 60 | Short sleeve + arm warmers, wicking base layer, possibly wind vest | Shorts + knee warmers | Light booties (windblock) or toe covers | N/A | Half-finger gloves or no gloves | Possibly warming balm | Wear removable clothing under changing weather conditions. Bring rain cape or light jacket if raining |
| 70 | Jersey, possibly wicking base layer | Shorts | Socks | N/A | Half-finger gloves or no gloves | ||
| 80 | Summer Jersey | Summer shorts | Cool socks | N/A | Half-finger gloves or no gloves | ||
| 90 | Summer Jersey | Summer shorts | Cool socks | N/A | Half-finger gloves or no gloves | Try to ride early in the morning or at night. Drink 30-60 oz. fluid per hour | |
| 100 | Summer Jersey | Summer shorts | Cool socks | N/A | Half-finger gloves or no gloves | Try to ride early in the morning or at night. Drink 40-80 oz. fluid per hour. Limit rides to under 2 hrs |