I have a pair of Pearl Izumi tights without padding, although now I wish I had something with a little cushion, as I have fallen in love with riding in my MEC 8-panel shorts. Upper body-wise, I don't know much, since my torso is about 2 degrees cooler than the surface of the sun most days.

Depending on your local weather and personal circulatory system, I'd recommend some "penguin" gloves with a good wind-blocking layer. I have some 5-finger winter cycling gloves, but they get kinda cool after a while.