I live in Indiana which doesn't have a ton of snow but does get downright cold. I don't have a car so I'm still commuting on the bike. The lowest tempI've ridden in this year is 6 degrees F.
Gear I use is:
Teknic Stinger Jacket
TourMaster Riding pants
Fieldsheer Montana gloves
The Teknic Stinger Jacket is great. It's very windproof, and waterproof. It has a zip out liner for use in the cold parts of the year. I usually wear a Tshirt and a light sweater under it and have no problems with the cold.
In the summer the lining gets removed and it has multiple zippered vents that canbe opened to keep you cool.
It also has CE approved armor in the back, shoulders and elbows.
All around a great year round jacket.
The Tour master riding pants work pretty well too. Basic black textile riding pants. Waterproof with CE approved armor in the knees. I got a size larger than I needed so I can put them on over other pants. Legs have stayed nice and warm all during all my rides.
Fieldsheer Montana gloves are wonderful to a point. They keep my hands pretty warm down to the mid 20's after that I could use a bit more insulation. They are waterproof and have a nice wiper blade built into the left hand index finger for wiping your visor. I wish all gloves had this feature. The gloves also allow for better feel than most winter gloves I've used. That's great news when you're trying to use get the keys in the bike while having the gloves on.
My feeling on the Fieldsheer gloves is they are the best I've ever used, but I'm might want to get some silk liners for them.
My hemet is a Fulmer AF400, and the visor is broken so no review for this one. I have to say though, if you ride in the winter get a full face helmet and some anti fog spray for its visor.
Most of this gear is a few years old and be gptten at discount prices at places like
http://www.newenough.com/For the Bike I've gone down to 5-30 yamalube, and I'm taking the battery in at night.
Dave