North Face softshell jacket Men's Cut as it's longer and covers more, in my opinion. Chrome Stock Cobra underneath. Balaclava. Good gloves. I have a pair of thick Craft brand gloves that are amazing. Adidas Samba soccer shoes (stiff indoor soccer insole makes them nice for short bike rides). Then whatever else you're wearing.

Just a regular softshell style jacket (many generic brands are available. Or, I used to ride in my old M65 Army surplus Field Jacket before I got all snooty. LOL!) Those work well because they are like wind-repellant and water repellant with an insulating layer inside.