I know this might sound like a really stupid question but.....How do people here decide how much to wear when they go for a bike ride? What are the keys things that help you decide??? wind chill??? wind speed?? So far I've been riding for three weeks and every time I go out for a ride I'm either wearing to much and I cook or to little and I freeze! I know it sounds silly but If tried going outside and feeling the temperature before I go out but still get it wrong! Things like wind chill factor make a big difference....I even found it was much colder to ride in the trees up to Mt Dandenong...I realise you can't compensate for temp changes like this in a ride but it's the overall thing. I've resorted to wearing too much and then stripping off and putting stuff in my gear sack. I was just hoping that I might find a good way to get a little closer to the mark.