Bibshorts, thin socks, cycling shoes and a short-sleeved jersey. No helmet, no gloves. After all, I keep my house at 65 and the helmet is sort of silly; it's not like I'm gonna crash on my CycleOps Mag Trainer
(And yes, I do wear a Jersey indoors. I don't like the feeling of a sweaty T-Shirt, and I don't like riding au natural up top either. I like having the moisture wicking)
Okay, joking aside (And you heard that one already didn't you?), I guess I have to add to the "no thanks" on that one. But I have ridden down TO 30 in my very short time as a newbie cyclist. With bib-tights, a thermal compression shirt under a long sleeve jersey, gloves, and a skull cap under my helmet that covers my ears. Feet were freezing though, guess I need some overshoes.