My rule of thumb is another layer per -10 degrees. At 50 I'll wear a light coat, nylon long shirt, upper 50's bike shorts lower add nylon pants, regular gloves, thin skull cap. 40's I'll add a short sleeve shirt, insulated socks, balaclava (open face), heavy mitt gloves. 30's balaclava (closed face). 20's replace the short sleeve with a long sleeve, insulated boots, biking pants under the nylon. 10 degrees a short sleeve along with the other two shirts. Below that I have a pair ski goggles. That's basically what I've been doing for 3-4 years. Start out cold and you should be good. Figuring in the wind can be tricky some days.