As for the gloves, I try to keep around as many options as possible. I hated lobster gloves, it felt weird to me. For many years, I had a larger pair of light weight full fingered gloves that could also be worn with 2 different thicknesses of wool liners and if necessary, hand warmers. Now, I finally found a mid layer thermal glove by Mavic, in a men's small, that fit me, that I can wear down to 40 or so. DH bought us heated gloves at the end of last winter, so I use those below 40, sometimes between 40-42.
As for tops, when it's 55 or below I start with a sleeveless base layer, arm warmers and a vest, knee warmers. Less than 50, I usally go with a short sleeved base layer and various combos of ss jerseys, arm warmers, and my regular wind protecting cycling jacket. I also have 2 regular weight long sleeved jerseys that I often wear between 50-60 degrees with various combos. I have 2-3 thin thermal jerseys and quite a few thick ones, too, as well as long sleeved base layers in 2 thicknesses. I use those for nordic skiing as well. I also have a very warm winter cycling jacket by Assos, I got online for 50% off. I cannot wear very heavy thermal jerseys under that, even when it's freezing. It is tight and it's a small, when I usually wear an x small. I wear Craft base layers, but they get used to death between the skiing and cycling, hiking, and snow shoeing.
I tend to dress too warmly on the top, so I've been sticking to using shorter sleeved base layers with heavier jerseys, or heavier base layers with lighter jerseys. It's very individual. DH always wears more on his top half, but can wear shorts down to 55 or less. I need to have my kees covered up to 65 and could go up to 70... I always bring 2 weights of head covers, because the quickest way for me to cool down is to take the head cover off. Same with gloves. And sun/clouds/wind also factor in. 40 degrees and sun is much different than clouds.