I am a regular blue-collar type guy who rides to work. When I ride in colder weather I just dress in layers. Long-john's, turtleneck, sweater, sweatpants, wool socks, my boots, ski pants and ski jacket, toque (wool hat) and if I need to my hood. I also wear nice warm ski gloves. Most of the time my work boots are good enough but when its really bad I wear winter boots. I find this works for me and I didn't have to purchase any fancy gear. Remember layers are warmest! Oh yeah...I have a beard too and that really does help.