I grow old & soft. You guys in extreme winter climates deserve to be commended for persevering through the cold. Here in the Bay Area, we are accustomed to Indian Summers. Weather in Berkeley typically stays in the 70s through October.

That said, I have a nice thick Descent vest I like to wear in the winter. Granted, my cold temperatures are still mild by comparison. Nonetheless, it's nice that it keeps the core chest area warm, while allowing me to add arm warmers, and an outer shell as needed without being too bulky.

I used to have some winter gloves with both half-fingers and a mitten cover. The mitten cover would keep your fingers extra warm when riding, but could also be flipped up and velcro'd to the back of the hand exposing your fingers (say, for a roadside repair, or to open a snack, etc.). I really liked those gloves for winter riding. I don't know if anyone makes something similar nowadays...