I don't know how long you've lived there, but don't be too sure that it doesn't get below freezing often. 'bout half the time in January it's freezing overnight.

But, in case no one has mentioned it, the key is layering. The last layer ideally stops the wind, and as long as you have some ventilation and aren't overdressed, sweating should not be a problem. When it gets cold I wear leather gloves, which I think is frowned upon by fashion but whatever works. Really cold and wet, thin liner-type gloves inside insulated ones, and a scarf or similar you can cover your neck and lower face with.