"I just wear tights on the bottom and a dri-fit and fleece on the top in weather around 20 degrees (gloves and hat too). I get cold easily standing around in the cold, but running in the cold is not a problem."
I would find that overly warm dress in 20 degree weather. Tights are, for me, for temps in the single digits. 20 degrees I would wear shorts and a thin polypro. Although my hands get numb easy. 6'4" and a lean 160+ (although I have lost a bit of weight and found I wear more than I used to). My ideal racing temp is around 35 or so. Racing, I would go shirtless or singlet into the 20's.