So this year for Xmas I got a nice cold weather Cannondale jacket, a medieval balaclava, and some heavy-duty cycling gloves. This afternoon it was a balmy 30F with a wind chill quite a bit lower, so I went for a spin. It took about a half-hour to put all the stuff on:

After an hour my feet, ears, and nether regions were cold. I also fogged up my glasses whenever I exerted myself, ie went up a hill.
I figure PCad's trick of putting chemical heaters on the toes of the shoes would help. Other than wear a second pair of ear-warmers I don't know what else to do about them. I don't worry about the nether regions too much these days.
Any tips on the fogging issue?
PS I was surprised: on my trunk all I had was a synthetic base, a wool-blend jersey, and the jacket. It felt breezy but I never broke out in a sweat and hence didn't feel cold and miserable.
PPS I'd rather ride an hour in cold weather than 1/2 hour on the trainer.