noglider here's how. I dressed for the temperature of 16° f. Wool socks over my cotton socks. Plastic bags over the socks inside my water resistant sneakers. My regular bike shorts under the long breathable poly sport pants underneath nylon fleece lined snow pants. Wicking t-shirt under long sleeve cotton t-shirt under poly long sleeve shirt. I have one more layer which is a medium weight turtleneck long sleeve shirt, but while shoveling I realized this would be too hot for the bike ride. And of course the windbreaker over all the shirt layers. On my face and head a thin nylon bellaclava. Sometimes I put my Halo headband over my ears as well but I didn't feel the need to do that today. And on my hands my thinsulate winter gloves with my long fingered medium to light work gloves underneath that. Especially since a few days before my hands got cold at 23f without the second hand layer under the winter gloves. When it's dry like it is usually here in Colorado Springs, this seems to work for me. When it's a little wetter that extra turtleneck layer comes in handy. I would have that turtleneck on if it were below 10. And I might put the neck Gator up over the bellaclava for an extra layer if it were below 10. Currently my limit is 5f but I have been flirting with the idea of riding down to zero now. However, it rarely gets down below five degrees in the morning here. It's definitely milder than in the Midwest. Anyways, that's how I dress but I seem to put out a lot of heat. YMMV.