I'm way down south in Baltimore, MD but we have our fair share of 10-20 degree days too...
Layers, layers, layers!!! including a tshirt tucked into my pants under whatever untucked buttondown or sweather I'm wearing. I zip-up hoodie under the coat helps.
I only started wearing scarves this past winter but they help so much I don't think I'll ever stop again!
I have gloves but I bought a pair of grey fingerless hunting gloves from a surplus store for $12. I wear them under my coat because they go up past my wrists and are awesome and keeping the wind/cold out!
I jack my socks up high too, I try to wear only really long socks on the windy days to keep the cold from running up my pants leg :-)
PS - Say hi to Propagandhi for me!