A vest is useless unless it can breathe out the back and can be packed down to the size of a 12oz can and put into your back pocket. I'd spend money on a nicer jacket rather than a vest. A breathable thermal long sleeve is always a better choice than a heavier vest. In my experience, you'll either have arm warmer + jersey days or jacket days, but rarely a 3 stage arm, vest, short sleeve jersey day. The light vest is a just-in-case item.
Gloves- Gore Windstopper non-insulated have the best high-low temp range I've found (like 70-48deg). You can put a liner glove inside for colder.