Coastal Rhode Island and nearby Massachusetts does not get too cold to ride too often. Generally, we are able to ride on most winter days that are, typically, not less than the freezing point. A pair of tights below, sometimes two pairs if it is really cold, long sleeve top with wool base layer and a wood blocking vest or long sleeves. Feet need wool hiking socks and shoe covers. Gloves are cheap fleece with windproof shells worn or in a pocket. Cap is fleece worn under the helmet. I also cover the vent openings in the helmet with whatever tape is on hand, say duct tape or plastic electrical tape.