Well, I went to my LBS today and bought what I think were "musts".

Came back with :

-Shoecovers
-Fullfinger gloves
-Scullcap.

I figured these were the most "bike specific" things I was missing. (I have gloves of course, but not windproof or too big)

I covered all extremities as some people suggested. I'll use a normal windstopper jacket (don't care the flapping...) for now and my neckwarmer.

Can't wait to see how it goes, I'll probably find what I miss after a couple of rides, and buy it this fall. Thanks for the help!