Hi,
I've been off a bike for about 5 months and I'm getting FAT again

I need to get back out and ride but it's cold in Eastern Pennsylvania. Could you give me some ideas on what you die hard guys/gals where in the winter. For example a 20 degree ride day - what would you wear. So please give me some of the combinations of gear for the different temp ranges you ride in. Thanks for your help.
Matt