* Just ride.
I see all sorts of people riding, all sorts of gear. Its still pretty mlld around here, been white for a few weeks (skiing right out the front door), I'm still sporting jeans, wool socks, waxed leather shoes, and a few light layers on top for commuting, around town errands, dropping of the rent, hauling the mail, that sort of stuff.
* Protect the neck and ears.
Bandanas work great, Buffs too, or more elaborate face masks as needed.
* Face cream with sunscreen. Dermatone in the blue tin is great for harsh conditions.
Wind and weather blocking.
* Shell pants over pants, not long underwear under pants, but sometimes you'll need all of those.
I think its easier cycling, less leg restriction while still looking halfway normal on the bike.
Haven't needed to put on a nose protector yet
but have a couple laying around, i might try one for wicked fierce conditions that don't call for goggles and full face mask.