For me this shirt is the best comfort level for the 40-60 degree range. I usually start with a vest on over it and pull it within 30 minutes depending on the pace. It has a great skin feel too. One of my all around favorites.
This is a great jacket.
It is warm when biking on cold days.
Fleece is soft and really comfortable.
Easy to wash.
I also wear it to work sometimes or just around town since it is warm and comfortable.
I bought a second one for my son.