"A place for everything, and everything in its place." Find regular places to put your stuff so that you do not lose track of anything, and then every day, you know exactly where everything is when you need it. This is especially important in Winter when you will likely be cycling with several layers and accessories.
BTW: ear muffs are great for keeping your head warm down to the 30's. The behind-the-head kind like 180s even fit under your helmet straps. Also consider rain booties, or gaiters, to cover your shoes. They provide enough wind break to keep your toes from freezing, especially if you wear wool socks as well.