What temperatures are you riding in? That makes a huge difference and any advice you get is not very meaningful unless you know that.

I live in NC, where the winters are relatively mild, although this winter has been colder than usual. This week, temperatures have been in the upper teens during my morning commute, and I have been very comfortable wearing a Pearl Izumi Gavia softshell jacket over a Craft Pro Zero long-sleeve base. I wore a PI vest over the jacket on the two coldest mornings (17 F) but probably didn't need it. On my legs, I wear unpadded PI Amfib tights over regular bib shorts. The Amfib tights are incredible on cold days, but too warm if temps get higher than 50 F.

I know I am dressed right when I am comfortable but don't sweat much, and I've hit it just right this week. When I overdress, I get sweaty and that makes me even colder.