Based on what I know of NC, your winter lows are 40s-50sF. If its dry a wicking Tshirt under a winter weight jersey or a fleece shirt is probably sufficient. Or you can wear a windblocking outer layer an a long sleeve T. A decent pair of mid to heavy weight tights should be sufficient. You will need alot less clothes riding than you would wear off the bike.
If it raining you will need something water proof. When its in the 40s and raining I wear a vinyl rain jacket over a light weight long sleeve top and warm tights. You will probably want booties to keep your feet dry and some decent windstopper fleece gloves.
Craig