Again, search this forum for how to dress. Also consult www.icebike.com.

For a 20 F day I wear:

Head: Lightweight BAlaclava, Earband

Upperbody: LS Cycling Jersey, unlined cycling vest, Goretex jacket

Lowerbody: Cycling shorts, Powershield tights.

Feet: Light wool socks, with heavy wool socks over top. Hiking boots with thinsulate.

Hands: Lightwieght synthetic glove with heavy convertible glove/mitten. (thinsulate lined)

That is it.

I have been riding in windchills below 0 F lately. I wear the above with an extra jersey, an extra light pair of tights and a heavier balaclava over top and the earband used to cover my cheeks and nose instead of ears.