I used normal bibs and legwarmers today 10C and rain, was perfect.. I dont have kneewarmers, dont like the look, I use knickers sometimes. Mostly its however either bibs or full length for me.
I find that its keeping skin covered is what i need when temperature drops to around 10-12c.
Combined with a wind/waterproof jacket, overshoes and or gloves and i never freeze. And if i get warm i drop gloves and/or jacket.
For Below 5-10c i use winter tights (no pad) over norMal bibs
Agree kneewarmers are not a good look at all.
I use leg and arm warmers and standard summer kit down to 7 or 8c or so I guess and then add a thermal windblock vest and gloves below that. Works well unless it's really cold.