Fist, a bit more detail is needed. First, where do you live? Winter in Chicago is different than winter in Seattle.

Second, how long is your commute? Do you use your commute as a workout, or just a leisurely ride to work?

In general, ventilation is much better than “breathability”. You can spend hundreds of dollars on goretex jackets and still get uncomfortably swampy when you start exercising hard.

I have different gear for every 10 degree difference. What I wear at 40 degrees F is different from what I wear at 30, and 20 degrees. Third, everyone’s body is different. I have been seen in a headband, full-fingered gloves, but shorts and a t-shirt at 55 degrees, because my hands and ears get cold quickly. On the other end of the spectrum, I can ride in “summer” shoes with wool socks down to about 35 degrees if it is dry outside.

What you have sounds reasonable, but the key will be to experiment. When I started I kept a diary of what I wore in specific conditions. I would record temperature, whether it was raining, what I wore, and if a particular body part was too cold or too hot. You will converge on your Goldilocks setup for certain temperature ranges pretty quick.