they make all kinds of hats and muffs for your ears. There's a little black hat that fits right under your helmet... it has flaps for your ears. makes such a big difference.

as for coats, a raincoat is all i have ever used on the outside, but then layers of wool and synthetics underneath.
you get colder weather in Jersey than we get here but your core can be warmed with laayers. we also wear booties, long underwear and two pairs of gloves; The regular roadbike gloves covered with fluffy mittens/gloves.