like many people said it is all relative. I am not riding in MN cold. Atlanta should be more moderate you have to figure out if you are a cold or warm person.

You have to experiment at different temps to find what works and what doesn't. I started making a chart and put some different temperatures down the side of a piece of paper and then I would list what I wore. If I could kind of remember if it was comfortable and worked. If it didn't I would think about what I could add or subtract to make it more comfortable. It was great if I saw that is was 45F then it meant I wore this, this, and this but if it was colder or warmer I knew how to adjust. Problem is I lost that piece of paper so this fall I have had to restart remembering what I wore at what temperature.

I have a thin fleece balaclava I bought for $4 from Sierra trading post and it works well in cool weather. It is not windproof though. I bought a had with windproof material around the forehead and ears and it is really warm. I also bought a cheap six six one Dirt lid for winter riding and the lack of holes in the helmet really helps.

As to gloves I bought some windproof ones from Aerotech Designs. I have enough room to put either thin softshell gloves or even wool gloves underneath. It is a good system. I like two pair of gloves. The nice thing is if you get warm you can take one layer off.