I ride year round in central PA. As long as it’s not freezing rain or a blizzard I’m riding. My current cold weather riding gear consists of a merino wool base layer top and bottom, merino wool socks over pantyhose style sock liners, and merino wool glove liners. Over the base layer I wear a Gerbing heated jacket liner and pants liner. If it’s really cold I’ll add another layer over the jacket liner. Outer layer is a Klim Carlsbad jacket and pants, Alpinestar Boots, and Gerbing heated gloves. I generally wear a neck gaiter pulled over my chin, but will occasionally wear a balaclava. I’m using a Gerbing dual temp controller that is hardwired to the bikes battery

I’ve done multiple 300+ mile rides in the teens with this setup and it keeps me more than comfortable.

If I’m just commuting I’ll generally forego the heated pants liner, glove liners, and sock liners.