don't go cheap.
buy cycling specific clothes.
shop around there's a big difference in pricing at shops.
there's no getting around covering your legs.
for the torsoe you need surprisingly little besides a wind block or rain cover of some sort and a decent base layer with a zip up neck.
I use trishorts due to their thin and more comfortable liner
wen you notice your toes getting cold, I recommened thin chemical toes warmers on top of your toes between a sock liner and thin wool sock
for hands I use a similar strategy with a glove liner and then a loose fitting winter glove
regarding actual product suggestions I like: novara headwind pants