i'm dialed in pretty good and i ride in NJ in any temp - down to 0 degrees for a couple days last year
basically - wicking at the base (ie - under armour) - NO cotton - that wetness will just sit on u and chill u to the bone
then add warm wicking layers
i have a spyder jacket that i love
and this goes for legs too - wicking then windbreaking material on top - very important to keep the leg muscles warm
as for hands - spyder gloves
feet - i wear - get this - scuba / surf boots - i dont clip in so no biggie there - 7mm