Howdy Trek: I bike commuted all last winter here in Abq where we don't get much snow either but the temps can go to the teens once in awhile. The coldest I rode to work was 9.
What worked for me was: UnderArmour top, L/S Jersey, and PI Zephyrr Jacket. On the really cold days I wore 2 L/S jerseys. I also have full-fingered gloves and the Lobster Gloves for the really cold days. SmartWool socks and toe covers, leg warmers and REI wind/water proof all weather pants.
What do I want to do different this year? I would like the full cycling pants just so I don't have to deal with the legwarmers/shorts thing and UnderArmour leggings, plus the shoe booties. Other than that: I'm planning on riding all this winter too.