I LOVE my Pearl Izumi Amfib tights with waterproof/windproof panels on the fronts. They were expensive, but I wear them ALL the time. They are supposedly just for heavy winter time, but I am a weenie and wear them a LOT.
On my feet in those temps, I wear wool socks, and I also have a pair of wind/water proof Calientoes toe covers on my shoes, PLUS a pair of neoprene full booties on over that!
I want some nice winter gloves, but right now what works for me (and bridges a variety of weather changes for economic reasons) is: one pair of neoprene gloves (warm even in snow, but not windproof) and a lightweight pair of nylon, wind/water proof glove covers. The combo is toasty in awful weather, but I also find that those covers work great with my regular short finger cycling gloves in cool weather. They are light and easy to take along, so they work well all through spring and fall (and for descents in the summer in higher altitudes).
I have a neck gator with windstopper in it that I REALLY like when it is cold out.
"The best rides are the ones where you bite off much more than you can chew, and live through it." ~ Doug Bradbury