My only cycling specific wearable is my addidas spd shoes.

Right now its in the low 20's here

Legs- Jeans with thermals underneath
Torso/Arms - Tshirt, long sleeve thermal, hoodie
Face/Head - Ski Mask thing, its nice and thin, fits under my helmet
Hands - Some gloves I found in my basement for free

In warmer weather I'd just have jeans and a t shirt on. I'm also less likely to wear a helmet when it's nice out.