I always wear a bandana over my ears to keep the wind out. I get earaches in wind, so I wear something on my head and ears almost year round. In the Atlanta area, not only is it cold but humid. I always layer my clothing and if you get too hot, you can take something off and stuff it in your pocket. I have therma silk beanies and balaclavas and also glove liners. Sometimes I have to adjust my helmet in the winter with added layers to keep from getting a headache. I usually wear fleece lined bib tights in cold weather with a wicking undershirt and long sleeve jersey with jacket. I had booties to cover my shoes, but I have seen people buy heavy wool socks and cut out the bottom to allow the cleat to click into the pedal. Full finger gloves are a must for really cold days. Be sure to stop and drink water when its cold. You need as much water on cold days as you do on hot days when you are sweating. And sometimes we just have those days where our ears are in our shoulders no matter what we do!