For rides 50-60degrees:

Arm warmers
regular fingerless gloves/light full finger
Toe covers
Skullcap
Baselayer or very light sleeveless vest.

For rides 40-50 degrees:

Full jacket (removeable sleeves a good idea)
Balaclava or skull cap
Light full finger gloves
Full length tights or knee warmers/or knicker bib shorts with high cut (smartwool) socks.
Toe covers still work pretty good at this temp too.

For rides 35-45 degrees:

You're crazy

Windproof tights
Amfib shoe covers
Windproof helmet cover
Heavier full finger gloves
A few of those little pocket warmer things you can put in your shoes...try REI.

Thanks for your replys, that helps. I hope some more people add to this so i know what to buy and not waste my money. My feet-hands and ears are what i really need to work on keeping them warm, if i can keep those parts warm i think i can ride in the cooler weather

Okay, on a similar note... when it does get cold enough to stop riding how does one maintain their vigor?

Is there a certain set of workouts that tend to work the best or just a lot of spinning and leg pressing?

I did (and still do) a lot of core weight training in the "off-season". Squats, dead lifts, and etc. Ramping the weight with about 10 - 15 reps for 3 or 4 sets. I found that when my core was stronger I was stronger all around, and my riding this year has been a lot stronger