30 or below
Sport riding set up
Sugoi Evolution Shorts
Leg Warmers
Wool Socks (with ziplock liners if its wet or really really cold)
Cheap baselayer from target with a 1/4 zip
Jersey or Polyester shirt
Wind Jacket
Skiing Gloves
UA Balaclava
yeah i'm good usually unless my hands or toes get cold. Then I'm done.
Those little hand warmer things help too. Keep them in the glove back pocket or in a jersey pocket if I don't need them starting out.