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When really cold, I used regular, not bib, shorts under heavyweight bib tights with wind blocker front and no chamois. I also have some bib tights with chamois for between temps. I ride bib knickers with knee warmers/braces from 50-60 degrees. It's really my head that I have to worry more about--whether to cover just my ears, a skull cap that covers the ears, or a full balaclava. Full finger gloves sometimes with liners, sometimes just heavier gloves. Oh, I live in SW Florida, so don't have the opportunity to do this much anymore, but I did live and ride in colder climates during my life, so I still have the gear. I also keep a pair of larger shoes that I can wear thicker socks.
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