Oh, and OP, get out there and ride, ya wussy.

During the winter here, which is hardly as bad as either Newfoundland or Alaska, I get coworkers asking me if I'm cold. I tell them that I make my own heat.

My wife got some jeans and khakis for me this past season that are lined with flannel insulation. They look normal, yet are warm and comfy inside. I admit that I never rode in them long enough to get them wet with sweat, but they sure were nice on my short commute. I also have insulated tights for cold weather, shirts and jackets of various thicknesses, gloves, and beanies for under the helmet. I'm pretty set for any weather around here except for ice and snow.

And, if you haven't already, dig around the Winter Cycling subforum.