i did a ride in 50 degree weather, windy (13 mph with 20 mph gusts). Gear missed: full fingered gloves. I tried liner gloves under my regular "fingerless" gloves, but I felt my grip was not good enough to hold safely to the water bottle...

Other than, the knee warmers worked just fine, as did wool socks. I had toe covers as a precaution (I prefer them over shoe covers) and did not regret it. As far as tops: jacket over a long sleeve technical tee (same I use for running), and an undershirt. I count the sports bra as a layer, too