33 or so this morning. I went with

• 2x socks, thinner cycling ones under thicker cotton ones
• 2x gloves, tight-fitting full finger MTB gloves, sized-up fleece lined winter gloves from Target
• 4 thin layers up top: technical T, long sleeve thin cotton shirt, regular short sleeve jersey (not really needed but will be used on the way home), very thin shell jacket (mesh lined)
• standard "Buff" around neck (http://www.buyabuff.com/)
• fleece lined neoprene balaclava under helmet (great!)
• MTB shorts with built in liner
• fleece lined neoprene leg warmers

The gloves were a bit leaky and not really cutting it but otherwise I was comfy or too warm even.