Having not layered enough yesterday, and paying for it, I somewhat overdid it this morning, which was in the teens F. Not an inch of my body was cold for a 40 min am commute.

helmet
thin poly balaclava
neoprene face mask
wool liner gloves
thinsulate lobster gloves
thermal jersey
poly button shirt
rain jacket
long spandex
nylon pants with poly liner
thick wool socks
shoes
neoprene booties

Dang, it took me about 5 minutes to dress, feel like knight in armor preparing for battle!