I think I found my min temp yesterday afternoon for arm warmers + vest (jacket & winbreaker were in backpack and wish I’d worn them instead for ride home – yes, I’m stubborn and didn’t want to stop!).
Tonight went a lot better! Wool socks, gloves, and a full shell rather than just a vest made a world of difference. I expect that my fingers will be capable of curling around cold glass by sometime tomorrow evening.