Thankfully, where I live we don't really get very cold weather, just the odd, crisp morning with the occasional frost.
can't beat wearing tights (pantyhose) under the jeans, my hubby and my Dad used to, or some longjohns, although as a young lady I find I have to sew up the front (surplus to requirements!) A good quality silk scarf also warms the air as you breathe so avoiding those dry tickly coughs that abound in winter, plus it don't fog up your visor, and there's no bulk under the jacket.
Don't have your boots too tight either or you'll feel the cold more in yer wee tootsies!
If all else fails get the car out!!