Ive been wearing a some specialized tights with my baggy shorts over them, a thermal shirt with a t-shirt and a long sleeve t-shirt plus my jersey over that. On my feet I wear a pair of regular socks with my cycling socks and a pair of snowboard socks over them which i pull up to my knees. Over the shoes I wear some shoe covers. I've just been using my regular riding gloves on my hands and just the helmet on my head. For me this us the perfect combo of gear, and I've been staying warm throughout my rides. The key for me is keeping my feet warm. My toes are always the first things to get numb on me. Once I got the shoe covers it solved that though. It's a little colder now than it was on wednesday though, so if I go for a ride this weekend I may have to add a layer or something. You should be fine Brian, just remember to wear some extra socks and dress in layers. Once you get out there and start riding the last thing you'll be thinkin of is the temp, trust me. Once you get goin and ride for a few mins you build up some body heat and as long as you don't stop for too long you can maintain it.