It's not that hard. If you've done a workout indoors and leave or you only have a short commute.
ie. I leave the gym sweating like crazy so the first 20min riding after that I don't even notice it's cold. Give it an hour though and fingers start to snap off...
Yeah - I saw a gent in bibs and an ss jersery at Oval. Didn't even have gloves. Nutjob.
Got the clothing just right today. Lovely ride in. Crisp/10.