on sun, i rode ringwood, xc ride, and i was in shorts (fox baggies) and spandex leg warmers... with shin guards. yeeh... spandex looks fruity, but leg warmers are pretty darn practical this time of year bc you can peel them off is needed. i had a short sleeve wicking layer and a light fleece and it was perfect for the high 40's weather of sunday.
in a week, its gonna be a lot colder! and then it will be long spandex only, shin/knee pads for warmth, even if you don't need them. and neoprene booties. and a think skull cap hat under the helmet.
the booties are a great investment for cold weather riding... cold hands and feet will chill you fast. especially wet feet!