We're pretty solidly sinking into late fall. Colder temps, but real snow is sticking. With a few smart layer choices, even folks who consider themselves 'fair weather cyclists' can ride. It's still fine biking weather.
One smart layering choice to make is to protect your face. Today- somewhere between 30 and 50 degrees- a balaclava would be overkill, but your lips are very sensitive and should be protected. Just remembering to use lip balm can be the difference between a beautiful fall day ride, and an comfortable one, so don't forget your face.