At 35 I wear wool socks, tights, shorts, a long-sleeved jersey and jacket, medium weight gloves, and put a bandana on my head under my helmet to cover my ears.

This morning it was 7F. Wool socks, shoes, shoe covers, tights, jeans, snow pants (non-insulated), jersey, arm warmers, fleece pullover, wind jacket, winter gloves, scarf, ski helmet and goggles. And a beard.