I am lucky, I have a bike swag pusher that feeds my addiction - 40% off of name brand stuff. Last week he got me some bike socks, knee warmers and what is near and dear to so many 50+'ers here, Bibs - in this case bib-knickers. My first Bibs. I was looking for something that would work better between 50 and 60 degrees. This morning it was 60, and the bib-knickers were just right. The knicker part kept my legs warm and the bib part kept my lower back warm. I think they may go as low as 45 degrees. I don't have a problem with shorts riding down so I really never thought about bibs - don't think I'll buy bib-shorts, but the bib-knickers are perfect. The socks were nice as well, the knee warmers will be used on a long ride when it starts out cool and warms up - then I'll take them off. Last year I bought arm warmers and I use them quite a bit.
Lets see - I'm still missing my:
Hand built wheels
Maybe one day I'll fit in - at least today I am one step closer...