Living here in the PNW, and riding all year, I don't think one can have too much electric heating equipment, and water proof equipment. I have heated grips AND heated gloves (Solving the finger tip issue) and use a heated jacket liner all the time (I haven't felt the need for heated pants or socks, but others do, and they are available). Sometimes, I use the heated grips with light gloves, sometimes I use the heated grips full tilt with heated gloves, and sometimes heated grips, light gloves and Goretex rain covers. Sometimes the heated jacket liner is just used as a layer without heat. There is no end of combinations that can be used given any particular weather situation. Since I regularly commute between Portland and San Francisco most of the year, I run into damn near every conceivable situation you can think of. I use the same kit all year long.
Personally, while I love the farkels we all carry on about all the time, I am normally more concerned about riding gear... and my personal comfort while riding. For me that means being covered safely in case of a fall, dry, and warm. My solution , and has been for over 20 years is an Aerostich suit, and electric grips, gloves and jacket liner along with Goretex over-gloves, and waterproof riding boots. I also use synthetic under garments that wick, and wash and dry easily on long trips. (I carry a tiny compressor and tire repair kit just in case). I guess while on a bike I'm a belt AND suspenders kind of a guy.
Actually, none of those things are bank breakers, given how long they last. Because I ride a lot in all weathers, these items are as important as the bike I ride, maybe even more so. I just don't think there is any reason for discomfort, and am very sure that comfort is ultimately a safety issue.
With this kit I am able to maintain the 500 + mile days I often do regardless of the weather. In fact, once one is not concerned about freezing or getting soaking wet, one can concentrate on riding safely, and enjoying the beauty of the scenery, which is often more beautiful and interesting during "Bad" weather.