Jersey is awesome. It fits great, and is perfect for those early morning rides. Will keep you warm but still breathes when you get too hot.
This jersey is the perfect weight for cold Headlands morning rides (and even later morning rides if the sun pokes out). I don't know how this jersey does it -- not too warm that you overheat, but also versatile enough to wear into the upper 60s/low 70s without suffering. You could buy armwarmers, ornot.
This jersey is amazing. Really blown away at how you feel warm and toasty close to your body, but breathable enough to keep you from overheating. It almost feels like a jacket sometimes. Perfect for year round riding in SF or other temperate climates.