Another one from Houston here... Hey, now that we are so many we should organize a TE ride in the area!
Usually Winter here is not bad, but I cannot stand cold weather so I'm always the one that looks like the Michelin man as soon as the cold comes.

If it's above 60 I use regular bibs but I do wear a thermal jersey, and possibly a base layer, either Assosor or 2xu. Nalini/MOA, Sportful, and Assos all make very good thermal jerseys for the Winter, you find them at your regular bike shop (Boones at the Med Center usually has a lot of Assos clothing) or online at Competitive Cyclist and Ride Bike Pro Gear.
If it's cooler than 55 I'm going full bib tights, 2 socks, and then layer up on top. For the bib tights, find those made of heavier fabric. Assos and Capo use that roubaix fabric or whatever it's called, which is supposed to keep your leg warmer and it really does. And I wear a winter (windproof) thermal jacket on top of base layer and long sleeve jersey, again either the Nalini or the Assos which are thermal and also windproof make excellent outer jackets.
With the cold wind I tend to wear a wool or fleece skull cap under the helmet and a neck warmer, because if my neck is cold I feel really miserable.
I also second long fingered gloves, and when it's really cold I wear the inner glove underneath. I use the Assos gloves and inner gloves, they keep your hands really warm.
Assos really makes excellent Winter clothing - I guess they have to, considering how cold Winter is in Switzerland. I lived in Bern for a while and it was really freezing in the Winter - I remember one day I left the house for a ride and I was all layered with bibs, base layer, long sleeve jersey, bib tights, socks x2, thermal windproof jersey, neck warmer, wool cap - AND a windproof head cover on top of the helmet!!!

Last year our Winter was miserable, the worst I have seen in the Houston area in eight years. I was all bundled up most of the time, especially early mornings. Hopefully this coming Winer will be mild...