I think you are likely OK on your torso and your legs and probably on your feet, too. Not so sure about your hands and head. You want REALLY warm gloves, and I would wear some sort of skull cap or thin beanie under my helmet at that temperature. For me, a headband would not be enough.

FWIW, my ride is just as long as yours and I have ridden as low as 18 F. I hope you go ahead and try it. But if you wait a day until it is warmer, that's OK, too.

Good luck!!