30's -40's Depending on if it's sunny or overcast I basically use the following in addition to typical jersey and shorts. I'll add a based layer and/or wind breaker, knee warmers, arm warmers, light full fingered gloves. Things that are easily removable that I can stuff in a jersey pocket if I get to warm on the ride.

Dec - Feb.
20-30, Full length tights. Short sleeve base, long sleeve knit jersey, shoe covers, light full fingered glove

0 - 19, Full Length tights knit tights over those, warm socks and shoe covers. Short sleeve base, long sleeve base, long sleeve knit jersey, full fingered mid weight gloves
Depending on the day I might use a wind breaker in conjunction with the above.

You don't need to go crazy spending $$$$, you can get by with inexpensive to moderately priced gloves, shoe covers etc...