I commute in my work trowser so my knees are always covered but I have to admit I wore a wind proof jacket under my waterproof today and some thicker gloves and I went by the road too incase the path was icy.
Had no frost down here yet - there was meant to be some this morning, but nothing so far. Was just about warm enough in my 3/4s and a long-sleeved T shirt with a hiviz vest over the top. However my toes got rather cold, as did my middle finger on my right hand. I think soon I'm going to have to make some covers for my tie clips to keep the wind off my feet, and maybe upgrade my gloves. I may also have to move over to track suit bottoms.
Was bloody freezing at 6am riding from Bexley to Putney. Roubaix longs, base layer, long sleeve,a windproof jacket, thermal liner gloves, outer windproof gloves, thermal socks, overshoes and a headband kept the worse out.