I have a balaclava that is wonderful, but I only use it on temps below 20. Above that and it's too much. I use a headband to keep my ears warm between about 40 and 20. I've found I'm generally cold for the first mile or two, but after that I'm trying to figure out how to stop sweating.

Same with mittens and boots. I switch to them below 20 degrees. Above that and it's my regular full-finger cycling gloves and shoes.

I generally don't have a problem with my goggles fogging as long as it's above 0 and I keep moving. Things tend to fog up when I stop, though. If you're using regular glasses you're probably going to get a lot better ventilation anyway so it may not even be an issue for you.

I haven't figured out a solution to my goggles icing up on the inside when it's below 0. After about four or five miles I end up completely removing them due to my vision being completely blocked. By that time, though, I usually am warm enough that it's not too bad, even when the wind is whipping. I just figure it's a test of my fortitude.

Tulsa shouldn't be too bad a place to commute all winter. One key is to keep riding all fall and gradually adapt to the cold. That way it's not a sudden shock to the system. You'll actually be surprised how little extra gear you need to ride when it's cold.