Today I went out and it was in the very low 40s. I wore wool knickers from Ibex which I really like. Long merino wool socks. Merino wool undershirt. Thin fleece shirt. Light windbreaker jacket well vented to the rear. Under my helmet I wore a merino wool beanie to cover my ears and I also wore a wool Buff around my neck. My gloves are pretty thick. My hands were cold to start but they warmed up. When it is colder I do like the Ibex wool glove liners. The only thing I had to remove was the buff. I can stick stuff in pockets but on this ride I had a rack and a bag to toss stuff.