For me it would depend on what kind of riding.
January this year, off-road / rough piste, I wore very thin base layer long-johns and top under MX jeans with knee pads and my sixsixone bondage/gimp armour under an MX jersey.
Early and late I slung an unlined cordora jacket on top. I also had a micro fleece with me that would fit on over the armour; just in case. Only felt cold when we were riding through the snow and maybe a little chilly first thing in the morning.
Regards
BYT
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