it would help to know what kind of conditions fall and winter mean for you.
In the fall which around here is anywhere from 40's to 70's, could be wet or blustery, I wear tights over shorts, insutlaed booties if it's really wet or cold, a liner glove inside my MTB gloves, and various layers on top. Sometimes a headband. But this isn't "winter riding" ...that's a whole nother deal, and I usually hang up the bike and get out the skis.
Irulan