i was just thinking of posting this yesterday.. i've already ridden much colder than i ever used to . i'm convinced i won't let crappy mid-atlantic weather keep me indoors for months. coldest so far was 45 F, though i anticipate trying in the 30s as well, as long as it's above freezing and there was no rain or anything previously, where there could be ice on the ground.
i've been wearing my Carhartt extreme jacket with tshirt and sweatshirt underneath. kevlar pants with thermals underneath, wool neck gaiter/balaclava , wool gloves inside my winter snow gloves.
so far the only thing to get cold are my hands, mostly due to wind. was thinking if anything I'd add a pair of hand guards.