riding to work again. just bought a pearl izumi getup - long sleeve jersey, bib knicker tights, new shoes (though i haven't worn those yet). today's ride to work temperature: 48 feels like 45. but that's at 10AM, with the sun up, so I'd guess it was 40ish. my hands got cold but not unbearably so, maybe the full finger gloves would be a good idea. arrived at work barely sweaty, didn't have to towel off long at all, and hair was pretty much dry.
so my advice to myself for 35-45 degree temperatures: long sleeve jersey, bib knicker or full bib tights, regular socks and shoes, full finger gloves, no helmet liner.