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I needed something too, when I leave for work, it's in the high 40's, on the way home it's been in the mid 80's. So far, just a nylon windbreaker has been working for me. I had one laying around, I think it's Columbia brand, that has an adjustable bungee type cord on the bottom to close it up. It has a zippered "pocket", that opens and you pull the jacket from the inside out stuffing it in the pocket and it zips closed. With the nylon, the bugs don't stick either.
Right now I'm using a Joe Rocket rain jacket, which isn't too bad really, and it rolls up small, but all the velcro closures is a pain in the *** just for cool morning rides...
The Frogg Toggs rain jacket is what I wear when it's a little too cool for just a vest. They're very light-weight, rain-proof, breath, and can be folded down to about the size of a six pack. I wear it over short sleeve shirts on the way to work in the morning when the temps are 48-60, and don't feel any chill even at 80 mph in highway.
I use a lined leather long sleeve button-up shirt. It's perfect for early morning or after dark when it's too cool for just a t-shirt and vest. The leather is thin enough to roll up tight and it always fits in my saddlebag even when it's full.
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I have a Columbia interchange. I wear just the shell when its mild out. The hood detaches and it breathes well while still blocking the wind. It's also waterproof and light weight.
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