No Cotton, ever.
Bike Jersey
Bike Shorts (baggie shorts or lycra with chamois... this is not a time to wear cotton 'roos)
Socks
Shoes (flats, or with cleat compatibility for clipless pedals)
Helmet (properly fit; no cracks or previous crashes)
Gloves (long fingered are more versatile during cold weather)
Glasses (swappable light and dark lenses)
Wind Jacket (lightweight)
Rain Jacket* (can be same as wind jacket)
Head band* (keeps ears warm)
Wind vest* (keeps chest warm)
Arm warmers*
Knee warmers*
Tights*
* Optional item, or depends on weather... we often see wind-chill conditions on Mt Diablo with temperatures in the 20's