In reply to Tony the Blade:
How cold are you talking where you are?
I'm still riding in Spring/Autum style gear but that may change this week as it's looking colder.
Neoprene overshoes.
Legwarmers.
Bib shorts.
Merino LS base layer.
Summer weight jersey (with pockets and full zip)
Patagonia Hudini wind breaker.
For a bit colder than 8 degrees C i'd most likely look at:
Neoprene overshoes (with waterproof ones if it's really wet)
Winter bib tights (fleecy).
Merino LS base layer.
Winter weight jersey.
Wind breaker.
Maybe a waterproof jacket or softshell if it's truely honking weather.
EDIT:
Extremeties are also important, i've got a Castelli winter cap that comes down over your ears and wear some UKC approved Skytec gloves if it's baltic.
Post edited at 12:08