It was 34.5° on Monday when I rode. I'm moving my way down in temps.
The core, I'm good. synthetic t-shirt, synthetic long sleeve t-shirt, thin sweatshirt, fleece, and thin windbreaker jacket. Hands were fine with a thin pair of non-cycling gloves I have. I have better options in the closet as temps decrease yet.
The head, or more specifically the ears, were a different matter. I cut the ride short as all I had was a regular tassel hat. The wind blew right through it. Yesterday was raining so I took a trip to Performance and bought a cycling cap that will cover the ears and a balaclava for when it gets colder. Will try out the hat tonight if it isn't raining.