Brrrrrrr

For this ride (and I actually had these temps a week ago in PC, UT for a couple of rides) I would have on

PI Summer Socks
Smartwool Skiing Socks over those
My Shoes with Toasties
Bib Shorts
PI Heavy Tights OVER Bibs
Two Poly Long Sleeves Under
One Jersey
One Windproof light jacket
PI Winter Gloves
Headband ($10 and the best investment a notherner can purchase)
Helmet