Aaron - Fudgy's right. Get the toe covers and also leg warmers. Your body constricts blood flow to the extremities to maintain your core's temperature, so your toes and fingers are the first to go cold. I was out in those temps Saturday for four and a half hours, and didn't get cold until the last hour or so when I slowed down. Jacket, long sleeved jersey, base layer, long-fingered gloves, leg warmers, booties...some of it doesn't get worn but a few times a year, but you need it.
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Regards,
Chuck
Demain, on roule!