A rule of thumb for guaging how to dress for the weather.
Whatever the actual temperature is, add 20 degrees to it and dress as if you will be outside on a picnic.
example:
actual temp is 25 degrees F. add 20 degrees brings the temp to 45 degrees F. Personally, I would wear medium weight long tights, a sleeveless wicking tank liner, long sleeve medium/heavy weight shirt on top, head band, and breathable gloves.
Other guidelines:
40 degrees and warmer: shorts and sleveless/short sleeve top
30-40: light weight tights, long sleeve top
20-30: medium weight tights, sleeveless tank liner (1st layer), medium/heavy weight long sleeve second layer, head band, and gloves
10-20: Heavy tights, sleeveless tank liner, light weight long sleeve second layer, breatheable jacket, hat and gloves.
<10: I'll opt for the elliptical

Karen