Temperature: 35 F
Winds: 10-20 mph
Ride: to and from downtown in the morning, approximately 18 miles round-trip.
What I wore this morning:
Midweight synthetic baselayer
Synthetic down jacket
Result: My core stayed toasty warm– absolutely satisfied there. My fingers felt cold at the start of the ride, but warmed up considerably by the time I got home. My legs and feet felt warm while I was riding, but felt ice-cold to the touch. My ears were slightly cold, but not uncomfortable.
Conclusion: Keep the upper-body layers as is. Add another layer to my legs (long underwear, or pants?) and toe covers for my feet.