Layer up with the Castelli Women's Freddolosa Long-Sleeve Baselayer. This lighweight baselayer will wick moisture like crazy while providing a little extra insulation on chilly mornings.
bought this as a base layer for long winter ride and it works perfectly. bought a small (5'2, 118Lb) and the fit is good. good arm length too. I usually wear it with a jersey on top and either a wind blocker or rain jacket according to the temp. good purchase.