Tip: It's just like cross-country skiing! When you're out cycling for more than 10 minutes, the best guide to adjusting your clothing is your tolerance to the cold. Ideally, you should be a little chilly when you first start pedaling, so that you're comfortable after the first few kilometers. If you're feeling warm when you set off, you might find that third layer of fleece superfluous after a few minutes of pedaling!