I was out this morning in 17 degrees. I wore my REI polartech tights and a pullover. I put a wicking cami under the pullover, which was a mistake – too hot. I also wore a light-weight Illuminite vest – I find jackets too hot unless the temps are <10. I had my fleece hat, a neck gator (didn’t need it, but wore it just in case my face got too cold), and mittens. I love my mittens – cheap fleece ones that are warm and great for wiping my nose:)