personal low from last year was 29F:
short sleeve jersey, PI thermal padded tights, cargo shorts and two pairs of socks in sneakers. Bellwether jacket, Underarmor balaclava, Bern Macon and midweight ski gloves.
had to unzip the jacket about 1/3 after 20min.
this year i'm trying out Bar Mitts, neoprene facemask, weatherproof/thermal booties.
only real issue has been breathing w/o fogging up my riding glasses. balaclava funneled breath right to the lenses. may have to try small goggles.