Good down to 35 (the lowest I've seen here in Orlando):
Full face helmet with generic thin nylon-y balaclava
Alpinestar textile winter gloves with thinsulate (gauntleted) although prior to getting these, I just wore bulky leather ski gloves.
Firstgear Kilimanjaro jacket with it's liner and a generic nylon 'quilted' jacket under that. Office dress shirt / undershirt under that.
Office Docker-type slacks, long johns, JCWhitney cheap leather chaps.
Good for current 15-mile commute at 55-ish mph. Ride time of <45 minutes.
No cold bits at all...
