Just a quick note on winter clothing to go along with my prior post:  lower 40s and very humid/muggy/*damp*.  Riding boots, thick socks, light tights, baggy Fox shorts + chamois.  Started with medium fleece, dropped it after the first real climb.  Wore two long sleeve shirts (one light baselayer, one long sleeve downhill style jersey).  Started with skull cap plus urban helmet.  Ditched skullcap after about five minutes.  Overall, started too warm, but I didn’t want to get chilled with the dampness.  Once I warmed up though, I was quite toasty.  I also spent most of the ride pounding in my big ring.