45 to 65 F is a big temperature range. I also seem to feel the cold more
65 F - short sleeve jersey with maybe arm warmers and shorts
55 F - base layer and good thermal long sleeve jersey, Castelli has some that work well for me.
45 F - depending on dampness, could be short sleeve jersey or just base layer and cycling jacket (bought a nice Giordana last year, money well spent) or long sleeve jersey, base layer and jacket. Again depends on dampness.
Tights for low 60's and below. You will have to spend some $$ for the right stuff.