This is my first fall/winter cycling, and I'm trying to stock up on cold-weather gear now -- I have knee warmers, a pair of tights, some fleece-lined trackpants, long-sleeved shirts, a few fleeces, a convertible rain jacket/vest, a polypro headband, and shoe covers. The main things I still don't have are arm warmers and a balaclava; I'm pretty set on getting the balaclava, but are arm warmers worth it? At this point in the year, if it's cold, I put on a long-sleeve shirt, and if it's getting hot, I roll them back. What do you think -- are they more handy than I realize? Any other tips on cold-weather riding? Thanks!