On the topic of riding in the cold, I have a 50cc scooter as a daily commuter (less than 6 miles to work) and I ride that thing in any weather - still haven't ridden it on snow, simply because I haven't had the chance yet
Since it is pretty dang cold to be riding out nowadays (40/45 in the mornings and evenings), just last week I bought this "blanket" made especially for scooters. It is designed by an Italiano company and basically covers your legs from the cold... I have been using it this week and... it works wonders!!! Check it out:
Blanket for scooters