Interesting just reading the variations..depending on our different tolerance levels at different temperatures.

Would be wearing 1 pr. tights all the way. No other additional layers on legs.
Shoe covers helpful but if not, I would wear a slighter thicker pr. of socks, have 1 thinner pr. stashed away.

Thin/medium weight full-sleeved fleecy over long-sleeved jersey. Plus jacket on top. Would carry /wear a thin vest.

Long fingered gloves as backup.
Headband over ears, under helmet. Beanie cap not needed.

May not be everyone's choice but just moi.