Ok so today was pretty cold. I know you Slovakian / Russian / Arctic riders get mad cold winters, but you're used to it so whatever.
Anyway like I was saying I was on Dartmoor today and it was 20mph winds, slightly drizzly and about 6 degrees. So what I'd call 'pretty cold'.
So I wore a goretex shell over a jumper over a t-shirt, with jean shorts under Altura waterproof shorts. The jumper was taken off after like 20 mins as I'd warmed up.
And I was fine, no hypothermia and certainly no lycra / skin suits / whatever in sight.