I didn't work today but I did 14 miles of errands, starting out at 16º F (my coldest temp while riding) and a 15-20 mph headwind on the outbound leg (note the flags standing straight out from the poles):
The balaclava worked fine. I had to expose my nose when it got too foggy and cover it up when I got cold again.
What did I wear? From the bottom up, two pairs of socks, leather shoes, bike tights under jeans, a t-shirt, turtleneck, sweatshirt and nylon windbreaker, wool gloves with mitten caps (pretty cool actually- they are gloves that have exposed fingertips, but also have mitten caps you can fold over the fingers to keep the wind off), balaclava and helmet. I could have used a hat on top of the balaclava for the upwind portion of the run. Errands included going to the doctor's office to get new prescription scripts (we have to do mail-order under our new insurance), a trip to the eye doctor, a beef brisket lunch,
and a stop at my favorite LBS which is in the same shopping center as the barbecue place. Then home.