Yip, a bit of frost on the grass this morning.
Up until quite recently I was doing a daily commute from Carlisle to Newcastle. I've tried most things, but settled on the light layer approach.
I've a Toureg Rally suit that is brilliant from March to November, but not that good in the real cold. I have a Hien Gerricke H20 winter jacket that is really warm, and I match this up with Leather pants, long socks Toureg boots (had these 4 years and they are still fantastic) and a cheap set of waterproof overtrousers, even when it's dry - they keep the draughts out. When it gets really cold, such as below freezing, I have a pair of Base Layer long johns - I even tried an old pait of the missuses tights, boy are they warm! On the Body I wear a thin base layer shirt with a (thin) long sleved t-shirt over the top, then the jacket
Gloves, and old timer once told me to buy winter gloves that are 2 sizes to big, thought he was talking crap, but as it happens I tried it and it worked. something to do with the air inside the glove providing insulation from the cold of the glove... ???!!?? I have a pair of silk inner gloves too. Hand protectors work well at keeping the air blast off your hands.
Don't forget your head, that's where most heat is lost, a silk liner in your lid will work wonders, and a neck buff to stop the draughts getting into your jacket.
Last year (for a spring trip into the Pyrenees) I purchased a Kiess heated waistcoat - wow! toasty warm, although I've seen the EXO2 ones now and they are much better. I've a pair of EXO2 heated gloves that worked very well in the Arctic Cirlce. Heated grips are usefull too, Oxford ones are by far the best value, really warm and you can get them for about �50.
Not sure what you are riding, but I got a screen from an old GS (the early ones with square headlights) and made some brackets that fit to the Acerbis hand guards, it gave me a few extra miles MPG (on the TTR) and kept loads of cold away, worth considering for the winter.
I don't think there is one answer to the cold, a cheap waterproof oversuit will make a huge difference - you just feel a bit of a 'richard' on sunny mornings! I spent alot of time in the fells, so I just applied the same lessons!