I agree with Andy. It does not follow that good wilderness survival tips/techniques are applicable or the best answer to every winter bicycle commuting clothing question.

I like my combination of cotton Carhart hooded jacket, with a fleece or down vest worn over polyester undershirt and Land's End medium weight cotton shirt. Denim pants with cotton sweat pants over them work well for me; buttons preferred over metal zippers at sub zero temps. I prefer the snap button closure on the jacket for venting purposes, the vest keeps out the cold air and wind. With the down vest I have been comfortable for hour long rides at sub zero F weather. The Sportsman's Guide - Hunting & Outdoor Gear, Shooting Supplies, Military Surplus, Survival Gear and More!

Scarf and a knit cap added at single digit and below temps.