The weather is only as bad as your worst clothing. I did invest in Shimano neoprene overshoes to catch the crap my super-low muguards don't, but only because my gf objected to plastic bags (which were admittedly, a nit of a pain. On very cold days i put bubble wrap inside them for added wind-breakage/ windsulation. For my hands, I absolutely refuse to not wear washing up gloves, with liner gloves inside, though.