This morning it was 35 degrees F out, so I wore:
Bacalava under the helmet
Full face helmet
Thermal underwear
Cotton socks
Flannal shirt of medium weight
Blue jeans
Rain pants
Joe Rocket mesh jacket with rain liner. ( the mesh doesn't do squat, but the liner really blocks the wind )
On the 10 mile ride my fingers were a little cool and my feet were a tad chilly. I could have went much further if needed, but was glad 10 miles was it. No windshield of any kind.
An ancient pair of Hondaline cold weather gloves with Thinsulate.