I started learning how to ride last December. With warm knickers, leg warmers, a smart-wool base layer, jersey, jacket, warm gloves and wool socks was able to tolerate temps down to 27 or so (depending on the wind chill).

That being said, I WAS just learning how to ride so wasn't out there for all that long as far as time - so I will need to figure this out all again this year and get a full new set of winter gear as I can't fit any of that stuff from last year. Outside of the gloves