A decent windproof jacket is your best option. I rode all winter in Indiana with an Arctyrex thin-shell and some under layers. Wind protection is the biggest factor in keeping your upper body warm.

Anyone who rides in the cold knows that the biggest problem is keeping your hands warm. I bought an expensive pair of thermal motorcycle gloves and even they were useless after about 5 minutes in the teens.

>>If anyone knows of good thermal gloves PLEASE make a post<<