70-110 = Jersey, shorts, possibly a base layer.

60-70 = Jersey, shorts, baselayer, possibly lycra arm and knee skins, and a vest in case there is a lot of descending. Usually I'll end up in shorts and jersey.

50-60 = Jersey, baselayer, vest, shorts, knee warmers and arm warmers.

40-50 = Long sleeve jersey, long sleeve baselayer, shorts w/knee warmers, full fingered gloves.

30-40 = Long sleeve jersey, long sleeve baselayer, shorts, leg warmers, balaclava, full fingered gloves, if really cold sometimes mittens over gloves, and shoe covers.

It doesn't get any colder where I live than 30 and below 37 is extremely rare.