It was about 25*F this morning. For me just a long sleeve poly T shirt, shorts and a waterproof/ventilated jacket and rain pants is right for that temp. Full finger gloves, not too insulated or they'd be too hot.

Above about 45*F, I wear underarmor under a long sleeve shirt and running tights under my shorts. Above 60*F I'm back to a long sleeve shirt and shorts, which take me up to as hot as it gets here (105*F or so).