HA! Oh California, 50's is jacket weather?!? Anything above 50F and I typically start with arm warmers that are at my wrists after 15 minutes of riding.

Footnote - that's a sunny 50F. If it's rainy and 50F, I'm wearing a jacket!

i find that my preferences vary from year to year so have given up on a list. since temps change gradually over weeks here in the PNW, i'm allowed at least a few days between each changing of the seasons to fine tune what i want that year. Generally i'm finding that i am preferring to wear less and less each year. this year i'm planning to use the warm rub stuff on my legs for the winter.

I think my preferences change over time, too. I'm wearing a lot less than I was last year. I just don't need as much, for some reason.

I always forget year to year, but i've racked up a bunch of wool, baselayers, balaclava, a jacket and some gloves. Nobody ever talks about the eyes though, going fast in the cold really start to sting your eyes.......

I'm gonna try some long-sleeves and need to buy a set of arm warmers.

I wear wrap around rimmed safety glasses when it's warm. When it gets cold enough for a balaclava, I also switch to goggles with a foam seal to my face to keep my breath coming up under the balaclava from steaming up the lenses.

This may be true in general but not for everyone. I've lost 25 pounds over the last couple of years, and I wasn't very fat to begin with, so I'm pretty thin now. I'm not any more susceptible to cold than I was. In fact, every year, I seem to get warmer overall. I have this weird ability to "turn on the heat" internally on demand. I don't know how I do it.

This is one of those bell curve things, where people are different along the cold tolerance continuum. I am apparently pretty far to the "freezing fingers and toes end" of the long tail. More on the core does not keep my fingers warm, it just makes me sweat more.

Today, 11.5 miles, 35deg, 20mph headwind. One thin base layer, one thicker base later, polar jacket. Polar tights. Thin wool ski socks, NW Farenheit SPD shoes. Arenberg cap (love the Arenberg cap, the bill keeps the wind out of the top of the glasses). Liner gloves under Izumi Gavias.

I was slightly sweaty under the base layers, which in my world is perfect. A moist bottom layer doesn't get clammy as body temp keeps it warm.

Toes were cool, but ok. Fingers absolutely froze. Numb. But not frostbit. My fingers go numb but don't really frostbite.

5.10 Freerider shoes, medium weight wool socks, NEOS Villager overshoes.
Montane Terra pants over regular bib shorts.
Smartwool Mid Weight T-neck under Novara Stratos jacket.
Craft Siberian glove.
Ibex earflap beanie under helmet.

Very comfortable. I was riding pretty slowly because of ice on the trails (haven't put my studded tires on yet). If I had been riding harder I would have been too warm.