Low 40's this morning for me but luckily it's only a 30min commute to work. I've got the Icon DKR jacket so I close up all the vents and wear either a sweater or flannel underneath. Some thermals under my pants that are tucked into my socks. Boots and full face helmet do a good job keeping those areas protected, but I've got the leather perforated gloves that are not cutting it. Will definitely switch them out for a pair of winter gloves in the next month or two and also pick up a scarf or something similar.
Early next year I'll be seeing some mornings that are in the mid-high 20's and I'm not looking forward to it, but it's FL so layering usually takes care of most problems.