T.J. This is based on my keeping a log last year and seeing what worked and what didn't work. You'll have to adjust for your age and comfort level. Again there is really no substitute for creating your own personal bikewear worksheet.

The way I did it was track 40 rides:
-- date
-- wind gusts, bike speed, temps which were converted to wind chill numbers
Experience:
Hands at start of ride felt cold/ok/hot
Hands at end of ride felt cold/ok/hot
body at start of ride felt cold/ok/hot
body at end of ride felt cold/ok/hot

It'll only get to windchill 20F here. For 20F and my old body, that means:
1. windbreaker
2. black diamond ice climbing gloves with inserts
3. fleece
4. bavaclava
5. goretek slip on pants over jeans

Assuming you are somewhat similar you need, in purchasing priority:
1. better gloves
2. better head covering
3. windproof pants
4. shoe covers or booties


At the very least you need gloves and head covering. If still not warm enough, add the others.

Here are some references for you:

-gloves
http://www.altrec.com/shop/detail/21675/17/
http://www.backcountry.com/store/BLD...ift-Glove.html
REI has mine, but probably can get better price
http://www.rei.com/product/47928400.htm

- head, fleece balaclava
http://www.rei.com/online/store/Prod...ry_rn=40003705

- windproof pants, probably goretex. Landsend makes some great one.
http://www.rei.com/online/store/Prod...ory_rn=4500843


-- for hard winter you'll also need shoe covers or bootines
http://www.rei.com/product/47562750....HP_CYCLING_TOC