I rode down to 16f last winter in Ohio. I used a LG thermal long sleeve jersey with target c9 duo dry long sleeve shirts layered underneath. Then used a windproof layer and a c9 target hoodie on top. Looking at soft shells right now to replace the c9 hoodie with something bike specific. I picked up a pair of fleece lined thermal bibs in the spring blowout of winter gear :-).

Lake winter shoes are on the big brown truck headed to my house. My goal this winter is 20 miles at 0f if it manages to get that cold. Reflective insoles and wool socks will do you for 30f probably, with some shoe covers. The non cycling insoles help shut down the "pumping" action that moves air through your shoes and freezes your feet. I got the reflective Insoles on Amazon.