For cold commutes (10-40F) it is xc ski tights, 2x socks, shoe covers, gloves, bandanna (no hat), synthetic 1x or 2x top. I have a high core temp. For me the biggest problems emerge on extended winter riding, the body seems to start chilling down after a few hours riding. Often post ride even in a warm house I will become chilled for 20-30 minutes.