Down to freezing I wear thermal bibs from
https://fatladattheback.com and Fizik shoe covers. Depending on how close to freezing I wear a FLAB jersey, with a wool base under and if it is below freezing but above 20 I add a poly fleece jacket. Gloves are dependent on temperature. Also, below 40 I add ear muffs.
But the thermal bibs are good for me down to 20F. Below that, I add heavy duty cargo pants, maybe switch to lined pants below 0F.
Also switch over to boots around 20 and to my cold weather boots (Kamik Green Bay) below 0F.
I also have pogies from 45Nrth for colder weather. Dragon Claws for below freezing and Cobra Fist for below 0F