Knees covered (knickers, knee warmers, or tights), long sleeve base layer, Thermal long sleeve jersey, Thin knit nitrile-coated palm work gloves

under regular ones (full or 1/2 finger depending), Giro merino cap w/ ear flaps (flip up & down as needed while riding),

shoes covers (thin, or neoprene). Eat a little heavier prior to ride.

32 is beyond cool- ski gloves, etc. but I rarely get that.