P.S. Don't listen to nonsense from roadies about "base layers" and other crap like that.
Roadies overdress because they don't seem to think they're exercising unless they're a sweaty mess at the end of riding, but the nice thing about cold is it can balance out the extra body heat you're generating so you don't have to sweat while riding.
You could ride naked down to about freezing. Below that a single layer of "expedition weight" polyester or wool ski thermals along with a good pair of earmuffs and a good pair of gloves is all that's needed in most parts of the US.