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.
Life should NOT be a journey to the grave with the intention of arriving safely in an attractive and well preserved body, but rather to skid in sideways, champagne in one hand, strawberries in the other, body thoroughly used up, totally worn out and screaming: "Yeah Baby! What a Ride!"