I wear my regular work uniform.... Dickie's style trousers and button down long sleeve shirt. Beneath that could be long underwear or just boxer shorts and a T-shirt. I have no bike specific shorts or bibs, but that may come. I just spent money on clipless stuff, so I got ease into it.
Over layers are a beanie, gloves and a fleece pull-over I have come to really like. I have a well-insulated hunting jacket I bought at an excellent price and it really stops the wind!
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'10 Specialized Hardrock