for the torso, I think you've got the right idea with the jersey and bra thing
but take a vest that you can remove that is beneath the wind breaker or jacket.

As long as you have something on your head (cap?) , balaclava
i think you'll be okay. I don't know what your hands are like I wear double gloves when it's really cold. Regular bike gloves underneath fluffy fleece gloves a size too large.