I wear guys stuff. My main jacket is a men's waterproof breathable from MEC. It's great ... I love that jacket!! It has all the venting and everything I need.
My main winter jacket is a men's from Nashbar. Unfortunately I don't think they are selling them anymore, but I could live in this jacket in the winter for all my outdoor winter activities. It is very comfortable, keeps me warm, and yet is vented. I got it for $40 on sale.
So I guess my first point is ... check MEC and Nashbar for inexpensive options, and don't overlook the men's stuff. Some of it is great!
As for baselayers and stuff like that, I have picked up several polypro tops from Sierra Trading Post - very inexpensive, very warm. And guess what ... they are men's!!
Well, one of them is a women's cut, but the others are men's. It doesn't matter - they fit and they keep me warm. Definitely have a look at what Sierra Trading Post has to offer, their stuff is very reasonably priced.
As for leg coverings, I use cycling tights as my base layer, and then I put a pair of sweatpants (not
100% cotton!!) over top of them. I get these sweatpants from places like ... Walmart!! They are women's ... men's sweatpants don't fit quite right for me. I do make sure these sweatpants have narrow legs so they don't get caught in the chain or cause extra rubbing or whatever.
And on my feet ... Kodiak wool socks (Walmart, men's department) ... these are wonderful. They come up to the knee and are so incredibly warm and toasty.
Just some ideas.