Don't overlook the time of exposure factor. What works for a one hour ride, may not work for 2 or more. I ride in the early mornings all year round but only for about 50 minutes before I get ready for work. For that amount of time, I can get by with a base layer and long sleeved jersey, cycling tights, and good gloves down to near freezing. For that amount of time, it's fine but if I was out for another 30 minutes or more, it wouldn't be enough.

Clothing companies are always bragging about pieces of gear that are good for almost any temp, but in reality, nothing is, and you just have to have layers if the temp is going to change any appreciable amount during your ride.

When I was motorcycling, I had heated gear with a dual thermostat and could adjust jacket liner and glove temp on the fly. With that I could ride from freezing to the mid 60's as long as I wanted. That was a great setup for touring.