How long is your commute? I've made it fine down to 22 deg with jeans, long sleeve wicking top with a t-shirt over that, and a neoprene jacket. Thin polyester balaclava and some neoprene gloves. I only have 3 miles so, that may not count as a bona fide commute by some of the folks here! The gloves have been replaced as they did not work well enough to suit me. My legs were just starting to feel a bit of a chill. I usually try to take it easy the first mile. Push it a bit the second. By then I'm usually warm. By the time I get to work, I need to cool down. If I had 10 miles, it might be a different story.