I'm still in summer gear but in the darkest coldest winter days here (SoCal coastal) in the morning I'll wear a longsleeved jersey, vest that has a mesh back, and full fingered gloves for my standard commute (22 mi RT min, 36 mi typical, 52 mi max). I ride in shorts year round. I'll have a pair of short finger cycling gloves in my pannier along with a short sleeved jersey for the ride home if needed. You wouldn't think the temps would change so drastically but it's not unusual for me to see 45 or 48 degrees on my patio when I leave home in the morning and 80 degrees at work when I leave in the late afternoon.
When I do my "short commute" ( 7 miles round trip, by taking the bus most of the way in both directions) I wear street clothes and a VERY light jacket since my goal is to not sweat on the short days.
Regards,
HB