Under 50 here but I commute 365 unless there is a holiday.

In the PAC NW we get rain, sleet, snow, more rain, and a lot more rain. Winds can howl up to 30+ mph inland and double that on the coast.

As long as I can ride on the road and not ice skate to work I am good. I made the news last year for biking in a December "snow storm". There was no storm, just really big flakes that freaked people out.

Bottom:
Smart Wool Socks
Sotto Zero Booties
Two pairs of tights
Underarmor wind brief
Snow pants for water

Top:
UnderArmor compression SS shirt
Underarmor Cold Gear Compression long sleeve
Perhaps another tech shirt if I need it.

Outerwear:
Jacket with pit zips (Mountain Hardware Dragon)
Buff merino Wool sleeve
Polar Fleece beanie
PI Cyclone gloves
Embrace the suck patch on the beanie.

My commute is not level and my windchills would be about that except my down hills are 20+ mph. So 0 degrees with a 20 mph windchill is cold especially when you are getting pelted with sleet.