Your Tour didn't come with heated seats? Sounds like you could use one.....and a heated jacket.
Check out Mobile Warming for a nice battery powered heated jacket, vest, pants, or gloves. Gerbing also makes them and are very well liked. I've just never owned any to speak from experience. I've loved my Mobile Warming stuff and have plans to upgrade to their dual powered gear which can be run off a pocket battery or the bikes.
I wouldn't call it cheap but I do think it's worth it. Makes cold weather much easier to beat. I brought it last year on our Hill Country ride and we saw temps in the 40s with drizzle. I was sweating while others were frozen. I only used the hear a few times but it kept me nice and toasty.
13 Vision Tour - PCV, Top Filter, Stage 1 Pipes, TW @ +4, Metz 888s
08 Vision Street Premium - VFC, Top Filter, Stage 1 Level 2 Pipes, E4s
Past Vic - 07 KP Tour - Stage 1, S&S Intake