Chilly here this morning - 32F when I left the house. I wore usual MTB shorts with leg warmers, base layer, long sleeve jersey and reflective vest on top. After initial warm up did fine until I got my toes wet crossing creek. Made the last 6 miles of the commute with chilly feet but otherwise a good commute.
All in all not bad for my first cold weather commute.
PS: There are deer moving around EVERYWHERE along my route and I expect to hit one eventually. Hopefully it will not injure either of us.