being from up north, i have figured out a few things about riding in the cold.
now i know how wonderful heated gear is an all, but if you are not ready for that investment, this is what you can do:
1) layers, layers keep the heat in better than a big fluffy sweater and you won't look as goofy and no one is gonna see your long johns... unless you want them too.
2) cut the wind, top layer should be a windbreaker of sorts, this will keep the wind from taking away all the heat your body built up and the layers are trying to hold on to. this includes your legs. zippers are a huge source of air getting in.
3) gloves and boots, the further away these are to your core, the colder they get and the more miserable you feel. get good boots, great socks and great gloves! i had a really rugged pair of snowboarding gloves that i felt would be great for snowmobiling. anyhows, they were my winter pair until a buddy of mine walked away with them after i let him borrow it for a ski trip. get good gauntlet style gloves... some people layer their hands but i felt that i have less feel over throttle control. after a red light incident involving soiled undergarments (see #1), i stopped layering gloves and just wore one big glove. BTW, there exists warm motorcycle gloves that are not heated, i just happened to have these gloves already.
4) face time, covering your neck and face can be tricky, i found a polypropylene balaclava to wear underneath my full face helmet. it was so hot that i only wore it when it was less than 10 below freezing. other times i just used a neck warmer that i used for skiing/boarding.
5) stay dry. nuff said. cold and wet is uber miserable... this includes sweating at stoplights only to freeze once you start moving again. so dress warm, but don't over do it.
6) check your tire pressures and use the proper oil when you change it for the winter. but you already do that anyways.
get out there and enjoy the cooler weather, less bugs, clearer weather and just think, cold air = more dense air = more power!