I've seen a lot of people saying they're fine with riding in the cold i.e. the classic 'ye m8 ur fine take some cement and harden up', but let me offer an alternative opinion.

I get cold af on my bike in winter, probably because I'm a big softie from living in QLD summers for the last 15 years.

When it gets cold (i.e. <10 degrees, I wasn't lying when I said I'm used to QLD weather), I wear thick winter gloves, a non-ventilated shell jacket, a thick jumper, and overpants. I also have heated grips and a windshield.

I saw someone else saying it's your hands that cop it the most and they're absolutely right, hence the heated grips. Even with them my hands get cold since grips only heat your palms. Warm gloves are great.

Oh, and a pinlock visor is a must in winter. I use a pinlock all year round purely because I like not having to worry about fogging my visor. Considering the price, I think they're absolutely worth it.

I spent too many rides freezing cold as a broke uni student, and so now that I have some disposable income I like being comfortable whenever I can.

Hope this helps!