wind breaker jacket
long sleeve jersey
Do you have a long sleeve skinsuit? can you get one in fleece? I would think back east there, having one might be useful for more than racing since you could wear it as a base under your other gear when its way cold out. I have a set of knicker bibs that are really nice for cold mornings when I ride here. I'm on the west coast too!
The only time i've added something under the skinsuit was when we were racing in wrentham and it was around 20 degrees (not counting windchill) and then i just put another longsleeve skinsuit (last years) underneath...
it is cross...
it is only too cold if you aren't racing hard enough