I had 19 degrees for my 7 mile commute this morning. I had to strip off some layers half way in. I had a base layer of polyester long johns and long sleeve T, a wool cycling jersey and levis over them, a fleece jacket and windbreaker. I could have skipped the fleece jacket. Feet were ok, but fingers got a bit cold (been thinking about mittens. I wear a fleece beanie thing under my helmet and it works great. Face got a bit cold so I am thinking about a balaklava - I am a bit worried about LEO reaction though.
I'd say that the ride was actually pleasant, but it was too darn dark - the birds were still sleeping for gosh sake.
-G