It always feels colder in the fall than it does for the same temps in the spring, so we tend to overdress...especially when the drop in temps is more sudden than gradual. Everybody's temperature tolerance is different, but with temps in the 40s you should be able to get by with tights, light base tee, long sleeve jersey, jacket, mid-weight socks and full finger gloves. Jacket should be wind resistant but have pit-zips, rear vent, adjustable cuffs, etc. so you can adjust your ventilation. Windstopper type gloves work for me down to 32F or below, wool socks & jerseys are great too.