In the spirit of Cycling Magazines offering authoritative advice here is mine relating to cycling and colds.
1. If you have a cold allow a little more time for your journey as you will cycle slower than normal.
Actually that is all the advice I have to give. My own experience is that during the last 2 and a bit winters when I have ridden every single day I have suffered fewer colds and I have recovered more quickly. However, I have noticed that I cycle more slowly when I have a cold – hence the advice.
So stop making everything more complicated about what to wear, what to buy and how to best recover. Instead ride your bike and allow a little more time.