For the commute, when it's wet I wear a Galibier Courchevel jacket with an old pair of Lowe Alpine overtrousers and
Decathlon shoe covers.
Under that, it will be a Decathlon cheap synthetic quilted coat (MT100?), a fleece jacket and a merino long sleeved T-shirt. On the legs it's a pair of Decathlon hiking/cargo trousers, double layer socks and leather walking shoes.
I accessorise with a fleecy peaked cap with ear covers and gloves - any of several pairs according to the weather.
When it's not raining, I will wear a windproof lightweight gilet (not insulated) over the jacket.
Depending on the temperature etc., I will do without or change the thickness of the fleece. When it's really cold, I will wear the Courchevel over the quilted jacket instead of the gilet. Today, I just went with the quilted jacket and gilet but I could have done with the Courchevel too.
When I'm not commuting, it's pretty much the same except I wear Endura Hummvees instead of cargo trousers and I'll wear cycling shoes/boots instead of the walking shoes. I will sometimes wear a quilted gilet and I will be more flexible in my layering.
It hasn't happened for a long time, but if it's
really cold, I will wear long johns or Tudor Sports York tights (roubaix fleece style) under the Hummvees.