Don't over dress. You should be cold, not freezing when you start your ride, you will heat up quick. Hands are easy, I have ski gloves with liners. I my bike gloves for padding and wear the liners over them down to about 40, below 40 I wear the outer shell of the glove. My feet are the hardest thing. I bought some shoe covers and wool socks that make it tolerable down to mid 30's. I'll have to switch to pedals to platforms and wear hiking boots below that. Ear covers start in the 30's, face mask and goggles when frostbite is a danger.