>>205608450F???
That's really not very cold.
Learn from XC Skiiers, they're the road bikers of the winter.
Wool or Polyester base layers, some kind of warm mid layer (aka your fleece), and a packable wind breaker.
Neoprene is your friend. Diving gloves are cheaper than cycling gloves and are basically the same
Synthetic neck buffs and/or one-hole balaclavas are great
They sell full-leg bib shorts but I just put leggings over my bib shorts and tuck it into my jacket
Get one of those big 15L saddle bags to store your extra layers, you should be adding and removing as your ride.
I also sometimes put my bibshorts OVER my base layer to seal in everything
I cycling in below-freezing weather like this. But more often I'm XC Skiing.
