StephenH

I don't wear biking clothes anyway, and that simplifies winter wear for a bike.

For moderate cold, something insulated that air can still sort of blow through works for me- such as fleece-type stuff. The air blowing through is to keep you from getting sweaty.

Layer. Colors don't have to match. You need some place to put stuff you take off.

Thick socks in my regular shoes work for me. I wear knitted wool gloves, not cycling gloves- same principle as the fleeze.

Blue jeans work if you can stay dry.

When you get all the cold-weather gear, don't be afraid to slow up some, or ride shorter distances- it is different from riding in nice weather. And this is like 40's weather, not sub-zero.