I ride all winter long including well below zero.
0-20+ I wear a balaclava under my helmet, use lobster gloves, wear a fleece jacket under my showers-pass optic yellow jacket. I tuck my balaclava inside the fleece collar and everything is good.
I don't use eye protection until 10 below --where exposing anything is not so good. Then I wear ski goggles that fit over my subzero version of balaclava (neoprene mouth and nose cover) with a night lens. Lobster gloves start to hit their limit below zero for me but my commute is short enough to gut it out.
ALSO-well below zero-- I stuff a couple of paper towel layers down into the crotch area.