And then, some of us are just on the colder side. I'm not anemic, and I was raised around here, but my body just performs WAaaay better in a hotter, dryer climate. I'm much happier riding in Eastern WA in 100 degrees than in Western WA at 60.

It sounds like you had ample clothing, but for me under the conditions you describe, I wear this, and am just comfortable:

Wool socks & neoprene booties; Shorts & AmFib tights (with the H2O/wind-proof panels); Wicking shell, long sleeve polypro, winterweight long-sleeve jersey, wind or water jacket; neoprene gloves with outer waterproof shells if wet; neck gator and skull cap.

I really have never met another cyclist in this area who needs the clothes I do, but it works for me. It took me a lot of experimentation to realize I needed it all, because no one I ride with wears this much.