20 degrees, light wind
Head - Balaclava, helmet, impact resistant safetey glasses (good for blocking the wind, low light)
torso - under armor, patagonia fleece, moosejaw softshell jacket
hands - army surplus trigger finger mittens
legs - Windproof boxers, gym shorts, soccer pants (with tapered legs)
feet - Bike shoes, wool socks, neoprene shoe covers
Notes - First day with the trigger finger mittens and I'm impressed! Still able to shift and brake but hands/fingers stayed warm. Ride to work is only 4 miles so i'm only outside for 15 mins or so.