It was minus 10 today and felt like minus 20 with the wind chill. I had on ... t-shirt, long sleeve jersey, trackie top underneath a Gortex shell. That was just about perfect. I should have worn the balaclava too because my beard was full of ice by the time I got to work.
Bottom half was shorts over tights with not enough socks on (couldn't find the oversocks this morning) ... Pearl Izumi lobster claws and some generic skull cap.
Oh, and clear riding glasses.