Tom:
I use gloves and jacket liner. The Gebing's gloves are moderately bulky, and not that warm without power. So you probably won't use them for much off the bike.
Both jacket liners are fine to wear off the bike. Not terribly stylish, but not uncomfortable, either. They are light, and not very bulky. The Gerbing liner, being looser, is probably more comfortable to just walk around in zipped up, and it has a bit more insulation in it. But, at Westoc, I wore the warm'n'safe liner off the bike, for example, while eating breakfast at an outdoor table.
The warm'n'safe has zippered pockets to store all the cords in, so you don't have to walk around with wires hanging out all over the place. I think the Gerbing does, too, but I don't remember for sure. Usually, I just let the wires dangle: if people look at me funny, who cares.