My complete cold weather list:
Insulated 10k pants
Insulated 10k jacket
Wool snowboarding socks (my feet stay cozy)
Base layer top
Helmet (keeps my skull warm)
A couple things...underware.....no...don't wear any and absoutely no cotton!
Make sure the base layer (including your underwear and bra) is really good at wicking
Forget the fleece bandana, use a neck gaiter or a balacava
Maybe use a wicking scull cap or beanie under the helmet
Also men and women are different...women maintain their core temp better but their extremites get colder vs men are the opposite.