28F yesterday morning:
poly underwear
blue jeans
cotton t-shirt
LS cotton t-shirt
polartec vest (cheap one from TJ Max)
full gloves
helmet liner, skull cap, helmet
safety glasses
Good to go for 30 mile round trip! Best part is my clothes are cheap and I'm not a walking advertisement for anyone. I passed about 3 other cyclists, all in full racing kit.
Man, I keep feeling like I should buy more cycling jerseys and tights, and then throw them in the closet all winter and hang my bicycle in the garage. Then I'll tell cyclists on the forums and in the bike shop that they "gotta" get some tights and jerseys to ride in the winter.