Well Mocha,
I hope our different approaches haven't confused you. The truth is that everyone is somewhat different in what they need for insulation and wind resistance and what they like for comfort. But hopfully these responses can give you a starting point for experimentation.
Just remember:
Breathability
Wind resistance in cold weather and
Wicking, quick drying synthetic insulation.
They don't necessarily have to be bike specific but the biking stuff usually works the best and costs a bit more.
Once you get your cold weather cycling clothing close to dialed in you will always be reasonably comfortable. Good luck on your commute and be safe.