Not too far off, actually. I picked that I like to feel cold (actually I like to be warm, but I usually have to adjust what everyone else suggests because I seem to have more tolerance/easier adaptation to cold weather) and the temp was 40, and it said long sleeved shirt, vest, shorts, gloves. I don't wear gloves, but I do wear a long sleeved shirt and a racerback base layer top that's fleece lined. Gloves would be too much after about 1 mile.

Definitely bookmarking this one. At least it's a good place to start.