Here is my current winter riding setup for when it is around 40-30, don't ride much past 30
Bottom: Bib shorts, insulated bottoms, lycra tights, wool socks, Lake boots
Top: 2 long sleave polypro shirts, thicker cotton shirt, jacket, neck gaitor, sock hat
This has been keeping me pretty comfortable, but the tights are starting to wear out, they have a few holes and the draw string broke. I'm thinking of some new tights, I would be much happier to do away with the insulated underwear as they feel bulky and somewhat restricting and was thinking about some thermal tights or something with some wind resistance, or maybe some leg warmers or something?1
I have also been thinking of a cycling spefic jacket as the one I have now is just a cheapie wal-mart, but it breaks wind pretty well and seems to keep me warm. I was thinking with a cycling jacket I may be able to drop a shirt.
So I am mainly thinking about tights, is there a big difference between regular lycra like I have now and something that is thermal? I spent about 20 bucks for the ones I have now and am thinking about spending around 50 for some repalcements.