Indiana is a little bit further north than Missouri, so I'm not sure if this will hold true, but in recent winters there have been only a handful of days that required extreme measures (like petroleum jelly on my face). In fact I'd venture to say that you could get through winter without anything special in the way of clothing, and miss maybe 2 weeks' worth of days. Maybe 3 weeks' worth for you.

On the other hand I have worn my expensive goretex rain gear more in the cold than in the rain. It blocks the wind a treat.

BEWARE of bundling up too much. You can cut of circulation easily with too many pairs of gloves or socks. I made that common newbie mistake my first winter! I was shocked that my toes were COLDER when I added a second pair of socks, and I thought I was going to lose my fingers with the second pair of gloves! I've learned since then, the key is to have oversized outer layers and/or better quality under layers, rather than throwing quantity at it.