In the 30s, I wear Pearl Izumi AmFib tights over my cycling shorts. They have a wind-proof layer in front which helps considerably. On my feet I use Pearl Izumi AmFib shoe covers, and under the shoe covers I place Heat Treat toe warmers. I buy them at REI, link to the product on their web site here.

Top layers, I wear an REI midweight MTS tank (a long underwear layer...) topped by other layers depending on the actual temperatures. Those other layers usually include Patagonia R.5 or R1 shirts as well as a wind breaker or rain jacket. I use a helmet liner, and sometimes ear bags too.

Gloves - PI AmFib Lobster gloves do it for me.

Unfortunately even with all of those layers my hands and feet usually can only last an hour or an hour and a half. But I figure that's better than not riding at all!

--- Denise