Hm most people here seem to have a different approach from me. I take the usual Dutch approach which meaning I have non of that expensive 'special' cycling or sports gear.

What works best for me in winter is a cheap windproof fleece winterjacket which I bought at vogele. Under this I wear a simple T-shirt and that's it. It is cold the first km but after that I am fine. Considering trousers, I wear normal jeans when cycling. This stuff works for me also below 0, I've gone on cycling trips during which the water in my bidon frooze . My cold spots are toes and fingers...

My only consession to winter is that I ride around on spiked tires (bought from veloplus) which work great. My cycling to work route takes me through the forest, the dirt roads don't get salted or anything so the tires
are really necessary. I wiped out a few times every winter before I had these tires, never since.

Just keep on cycling and change your clothing as the temperatures get lower and lower. This allows you to slowly adapt your clothing and it gives you a good idea of what you need to stay warm.