not sure exactly where Shelby, NC is but I also live in NC.

I tend to ride in my jersey and bibshorts when it in the 60's I wear knee warmers and arm warmers. When it is cooler I wear wool jersey I bought from the Clymb for like $45 or so dollars. I also bought from them bib tights and they have kept me warm down into 40's. I also have a performance softshell that i wear for really cold days. If you can block the wind that really is what robs you of body head but if you are biking you want to be vented or something that will let you vent some heat off after you start getting warm.

http://www.theclymb.com/invite-from/MHart504536

if you sign up under me and purchase something I get $ back. They have good quality name brand products at 70-80% off.