Great guide! I hope to see new riders gearing up properly and riding sensibly.
I've been commuting to work by motorcycle for years, and your list is spot on!
Here is the get-up that works for me.
Full face helmet (a good one from HJC: non-PSB approved, but ECE certified - I think I will get a PSB helmet next)
Mesh jacket (dark and non flashy colours are nice and low-profile, but they may affect your visibility at night)
Summer riding gloves (I keep another pair of waterproof gloves in my bag with my raincoat. Alternatively, you can get some surgical gloves to wear over your gloves)
Raincoat (I used the top piece of an RS Taichi rainbuster, and for the pants I got a pair of hiking rain pants with zips down the sides. This means you can put on the pants without taking off your shoes - invaluable when you get caught in the rain mid-ride)
Waterproof boots (it's safe, it's waterproof, it's low-profile)
Riding jeans (some look just like regular jeans, but they protect you from tearing off your kneecaps in a crash)
Balaclava (cheap ones off Taobao will do, like $10 for 3 pieces)
Ear plugs (I cannot understate the importance of ear plugs. I rode for 2 years without them and I started getting tinnitus - the constant ringing in the ears. It's a real bitch. Riding at 90kmh can be louder than you realise, make sure you protect your hearing!)
If you are worried that the full get-up is too hot in our weather, rest assured it is not. The mesh jacket flows air through well (and even better if you aren't wearing a backpack, so get yourself a top box) and prevents you from sunburn. In fact, when it's sunny, it's cooler with the jacket than without.