I have now had a couple of rides starting out at 30 degrees, warming into the mid 40s. My issue has been cold fingers and watering eyes. The fingers I can deal with by getting different gloves or lobster mitts. But the eye thing is more difficult.

I wear a wool beanie under the helmet. Full finger gloves. Wool zip neck top, with extra long sleeves with a thumb hole, I pull these sleeves down to keep the tops of my hands warm. Plain old nonbiking windbreaker type light jacket. I would prefer a jacket with pit zips. Terry tights. Wool socks.