Today I wore:
Head: Polypro ski cap, amber lens glasses.
Torso: Polypro singlet, Duofold polypro l/s undershirt, Giordana l/s jersey, Nike windvest
Legs: PI shorts, kneewarmers, REI loosefit tights
Feet: Cotton sox, SIDI Genius 4 shoes, neoprene toewarmers
Hands: poly glove liners, fullfinger REI gloves
Conditions: 32F/0C, calm, patchy fog. About as cold as it gets here in Sacramento.
Have to say that I guessed right today. My toes alway freeze but everything else was pretty comfy.