Heated grips are the best thing I have found other than wearing a jumper under my jacket. A glove liner can be a good substitute but doesn't quite compare on its own. Liners will keep out the cold a bit but won't warm you up actively and on many bikes , especially those without handguards , you will feel this.
If you don't ride a crotch rocket , consider knuckle guards.
Bar muffs are a good substitute in many cases but having both will keep you very toasty.
Other than that , stick on a waterproof oversuit but that goes without saying.
A neck warmer also does a good job but a balaclava will do.
Heated seats are for BMW riders and you won't be needing one of those. Too much! Same goes for heated clothing. A jumper will work fine in everything till the snow/ice steps in , in which case , wear 2 jumpers!
I rode all last year on the bike and don't have a car licence at all , I will be fine this year too.
Just remember to take care of the bike too. I use gunk on the engine to keep it free from salt. A pressure washer might to a good jon nut I've never used one. CLEAN the chain more frequently. Chains will develop more paste during winter (grit caught by the chain lube) and if you don't clean the chain regularly , you will notice small changes in the way your bike is accelerating.
Thats my two cents...
