Since we live in the same area I'll tell you what I wear. I always start my rides at sunrise unless I drive up for a group ride. The thing about the winter here is it can be freezing when I start out but it warms up fast on sunny days. 40+ is warm to me with winter gear on.

The absolute best thing you can buy is a convertible jacket, one where the sleeves zip off. I've had a Nalini for about 8 years but I bought a Castelli Poggio on sale a few weeks ago. They aren't full on thermal below zero winter jackets but they are windproof which is the most important thing. Underneath I'll wear a sleeveless wool baselayer and long sleeve jersey. If it's below 32 degrees I'll add my Under Armor winter top. When I warm up I'll take my sleeves off and still have a vest. Sometimes I unzip that because I heat up quicker than normal. That's all I need.

Any winter bib tight is good, my legs never get too hot (I have Castelli and PI). Below freezing I'll add my leg warmers underneath mostly for the windproofing on my knees. I put duct tape over the vents of my shoes and slide on neoprene windproof toe covers and wool socks are a must have. I have some old windproof winter gloves but always bring my summer gloves because my hands heat up when it starts pushing 40 degrees. Lastly, I have an old Pearl Izumi winter skull cap to cover my ears and I end up removing that a few miles into the ride. I never cover my face, ever. My face might freeze for the first mile or two but then I'm good.

That's all I need here. Of course everyone is different and I see some people go a complete ride with stuff I would wear in Antarctica. I would fry if I wore some of the stuff I see people here with. The key is windproof stuff that you can download as you're riding, along with wool whatever you can get.