riding around 0°C (sometimes with rain) in NE Pennsylvania I just wear 3/4 or full length bibs (usually marketed as those autumn/spring type), a sleeveless summer baselayer and again one of those autumn/spring jerseys.
If I wear a jacket, after cycling for a couple of minutes I get so warm I start sweating buckets so I now I just cycle without a jacket. It's only cold at the very start but once I get to the main road and build up a bit of speed, my body stays warm.
Then I also just have a regular thin general purpose neck tube / scarf type things to cover my nose and ears from direct wind. If it's really cold or windy then I'll get out this balaclava instead.
The only thing I've yet to find are good enough gloves. They either do nothing (wind cuts right through it) or are so disgustingly hot—nothing in between so far that I've found.
I just wear a balaclava I got off of Amazon and it has breathing vent holes around the nose and mouth. I don't like buffs. I'm in the minority though.
Tough Headwear Balaclava Ski Mask for Men & Women https://www.amazon.com/dp/B019F18TX4/ref=cm_sw_r_cp_apa_i_XNs8Db1X50YGE
Cheap ass balaclava off amazon ($12)... works for winter/cold runs... not much to say about it but it fits and works.
This is what I use, though I'm a bit south of you:
https://www.amazon.com/gp/product/B019F18TX4/ref=oh_aui_detailpage_o01_s01?ie=UTF8&psc=1
The front has a mesh section over your nose/mouth depending how you position it which could reduce fogging. I wear contacts so I can't confirm that it works perfectly with glasses.
Here is what I use in cold weather:
https://www.amazon.com/gp/product/B019F18TX4/ref=oh_aui_detailpage_o01_s01?ie=UTF8&psc=1
The longer front was nice since it provided more coverage. I haven't backpacked at -15F with it, but did have it on for 5 hours of trail running in -15-20 F weather. The bottom froze up a bit but it kept my face warm.
I generally find it's the wind that makes things feel really cool. So windproof layers pay in gold. No brand scuba gloves, 5mm or greater in neoprene. You can get e.g. zcco ones on Amazon for about 18usd. For head, a windproof balaclava such as the below, with beanie of choice over the top, maybe a hoodie over top of that.
Balaclava Ski Mask - Winter Face Mask for Men & Women - Cold Weather Gear for Skiing, Snowboarding & Motorcycle Riding Black https://www.amazon.com/dp/B019F18TX4/ref=cm_sw_r_apan_glt_fabc_MXY3035MYP0Q7ZJ55SGN?_encoding=UTF8&psc=1
ZCCO 5mm Neoprene Diving Gloves,... https://www.amazon.com/dp/B08224NR2P?ref=ppx_pop_mob_ap_share
I use this Mask I ordered on Amazon. Light enough for hat it doesn’t restrict, but stout enough to block the cold.
I use this: https://www.amazon.com/dp/B019F18TX4/ref=cm_sw_r_cp_apa_fabc_bvWXFbVFG3Y06?_encoding=UTF8&psc=1
Add a Buff if super cold