Keep a clothing log of what you wear in what temperatures. Then you can make adjustments as needed. I find that Sporthill makes about the best cold weather cycling pant out there. Look at the Infuzions or the Symmetry's. Those are comfortable from about 55f down to about 25f. Windproof and coldproof. Loose-fitting. Not your typical tight fitting cycling tight. They're designed for runners and cross-country skiing. But are great for cold weather cycling. Amazon has good prices on them right now.