I rode this morning, the second colder commute of the year (35 on Friday, right around 32F this morning) and I'm pretty happy with my memory of what to wear when.....wool base-layer + light jacket, shorts + knee warmers + non-cycling capris (stylin', but functional...), wool buff under the helmet and my lighter full gloves. Toes were cold, I have new shoes since last winter and they're much more ventilated.......not cold enough for full booties yet so I may have to pick up some toe covers.
I rode most of the winter last year, hoping to get a few more days this year but I'm teaching at 8am a couple days a week which may result in train days--it's an hour commute in good weather and I'm not sure I'm willing/able to leave earlier if road conditions are less than ideal...