I'm totally with Machka. Winter riding is hard on clothing so I can't see spending a fortune on it. Also, I don't think cycling gear companies do a lot of research on cold weather gear, because there's such a small market for it. So most of the LBS stuff won't even keep you warm, and it's way too expensive.

I buy winter stuff at discount stores, thrift shops, ski shops and hunting/camping stores. I wear summer cycling shorts under long johns and pants, because I have a sensitive butt.

Oh--one more point. I can afford a lot of gear if I buy cheaper stuff, so I can find stuff in my clost for every kind of weather. Also, even the discount gear is better than the gear my ancestors had when they came to the wilderness of Michigan and chopped down every tree they found. And the native people that they wiped out would be practically naked all winter, at least when they were hunting.