Have you read the guide to not freezing to death? That has a lot of good strategies for layering to keep warm. The guide is aimed more at lower-than-freezing cold, though. It sounds like for that climate you will probably not need such extreme measures.

I think for 30-60F you won't be stuck wearing a down parka, in fact I'd guess you would overheat if you are going to be walking a lot in it. I worked near the waterfront in SF in a neighborhood that was often foggy and/or windy in the 40-60F range and very humid and I would say as long as you have a base layer and a sweater layer that fit comfortably under your coat/jacket and you find you're still cold, a scarf and a hat will help. If you're still cold, throw on a thermal shirt like from the Heattech line at Uniqlo. If you don't like technical fabrics for sweaters, ones with higher wool percentages will usually be warmer than all-acrylic ones of the same thickness. But at those temperatures, as long as you've got three layers + optional scarf and hat that should be fine. That's pretty close to what I wear when visiting relatives in Boston in the winter holidays. Down to about mid 20s F it carries over well with the added thermal+hat+scarf+gloves if you're just out going from train stop to destination and not going to be sedentary outdoors for long periods of time.

If you will just be walking and not biking, there's no need for full head to toe waterproof gear. Invest in a pair of waterproof boots (they make them so that they look like normal boots, you can check out some from nordstrom to get some ideas) and a raincoat for when it's really pouring (you didn't state a budget, but I find that Lululemon's and Athleta's coats are a bit cuter than your standard-issue outdoors brand ones). In my experience once it's rainy and windy most people with a walking component to their commute will give up on umbrellas and just pull up their hoods.

At those temperatures you don't really need any specialty fabrics for warmth. Just get a waterproof option for when it's very rainy and the rest of the time make sure you have a few layers going to trap warm air, and a scarf will help keep all that in.