I'll speak for by girlfriend on this, since she is not a member of the forum.
In general, she takes at least one more torso layer than I do.
Head to toe:
Head: Marmot Powerstretch hat
Hands: Black Diamond Powerstretch gloves
Base layers: SS Wicking shirt and LS wicking shirt or merino wool pullover; also Capilene 2 leggings
Pants: REI convertible pants with good DWR
Socks: Smartwool Adrenaline mini-crews (x2)
Midlayers: Powerstretch fleece vest (if this was me, I would leave it at home - herein lies the extra layer)
Puffy: TNF Redpoint jacket or TNF down jacket (or both)
Hardshell: Arc'Teryx Alpha SL (GoreTex PacLite)
Thermarest Prolite 3, short
WM Ultralite, short (20 degree)
Pack: Granite Gear Vapor Ki. The hipbelt was key for her. She tried on Osprey Talon 44 and a GoLite Jam2 and Pinnacle and liked the full suspension.
We sleep in an Oware Double bivy under a CatTarp 2 or in a DoubleRainbow.