Hi Prasad. At the age of 47, I am going to see the snow for the first time
. Of course, I will share my plan to keep myself warm.
Basic norm - More layers of clothing, more warm it would be. The air pockets between the layers will act as insulators. The layers does not need to be so thick and heavy.
Layer 1 - Cold cream like Vaseline lotion all over the body (makes our skin like seal skin).
Layer 2 - Baniyan (with half sleeve to absorb sweat at armpit) and Boxer shorts (prevents chafing and provides comfort during rides).
Layer 3 - Thermal wear set or Decathlon ski base layer. Can also use long sleeve round neck t shirts along with a thin body hugging pant.
Layer 4 - T shirt half sleeve
Layer 5 - Riding Jacket, riding Pants, water proof gloves and riding boots.
On local sight seeing days, I would use a Decathlon forclaz -5*degree jacket and Jeans bottom as a layer 5.
I hope this gives you some idea.