Bib shorts with some modesty shorts over the top, Knee warmers, warm socks and overshoes or unvented mtb shoes.
Short sleeve base layer, winter jersey, gilet if it's really cold. Jacket only comes out when it's cold and wet. Gloves change with the temps but generally only something wooly like defeet dura gloves unless it's really cold. I had some really nice decathlon soft shell gloves but I accidentally left them in the open tray thingy of my moped in the work carpark and they went missing.