Another thin-blooded Texan here. What I wore yesterday (temp was mid 50's to low 60's but it was windy from the north):

SS Jersey
Shorts
Tights over shorts (I don't have padded tights- too pricey and I can wear these running)
Arm Warmers
Light Weight Pearl Izumi Jacket
Toe covers (I need some wool socks)

I took off the arm warmers after about 11 miles because I warmed fairly cheap. My jacket was a late season purchase on clearance. We got in February for half price and I still got a lot of wear out of it.