Carry a light base layer, an insulating layer, and a windproof waterproof shell. Add full-finger gloves and a warm hat for high-country cycling or cold mornings. Bring dry layers when snowmelt or rain may soak clothing.
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The short answer
Cotton clothing and a forecast icon are not a safety plan. Adjust the system for duration, elevation, exposure, activity intensity, and the slowest person in the group.
A functional day pack
Base layer suited to exertion.
Fleece or light insulated layer.
Waterproof and wind-resistant shell.
Warm hat or helmet-compatible cap.
Gloves for high-country or cycling days.
Sun protection, water, food, light, and emergency warmth.
Dry replacement layers when wet exposure is likely.
Pack for the descent
Cyclists and hikers can feel warm while climbing. Wind and speed remove heat quickly on the way down, especially when clothing is wet.