Join Date: Apr 2005
Bikes: Pugsley, fixie commuter, track bike
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On a 50 F day I would just wear a long sleeve jersey over a light weight base layer (wicking long sleeve tshirt) and a pair of tights. Either 2 pair of socks or one heavier pair, and a skull cap and long finger gloves. But then I usually run hot, so maybe you want my 40 F wear.
On a 40 F day I would wear a midweight/winterweight jersey over a base layer tshirt, a pair of tights, two pair of socks, midweight skull cap that covered the ears (Headsweats Midcap) and a light weight windproof glove. I don't really find wind proof clothing necessary until the temps are in the 30s and below.
If your face is drying out you can use a thin layer of vaseline which does wonders.
Its true that clothing at your LBS will be overly expensive but I've found some pretty good deals on sale priced stuff at Performance Bike and Nashbar, so I often wear cycling specific clothing. However most of my base layers, socks and winter gear come from hiking and winter sports catalogs.