A lil tip I'm compelled to share despite it's obviousness...
Rain gear - specifically the pants, worn over yer woolies or sweat pants & jeans does an amazing job of keepin' the warm in.
It's already runnin' 31 °F/45 °F here, yet for my morning commute I jus throw on my wet weather gear o'er my regular work clothing and it stops the chill wind from cutting through me, but is easy to shed when I get to my workplace. Gloves are the same story
Gotta love the cheap and easy