Spandex shorts, anything on sale except Ascent (the pad isn't sewn well, and you get to moving around, thinking your saddle's coming off).

In lieu of jerseys in the summer, "technical" or "dri-fit" t-shirts from Ross Dress for Less, usually $10.

After that, I layer up in whatever won't get caught in the chain, something with a sleeve I can wipe my nose on.

I wear a lot of running gear when I layer up, since I already have it from years of running. I'm a big Gore-Tex fan.

I just want spandex next to me and something fairly windproof on the outside. I like a Lands End anorak for that.

I never wear gloves, but I do wear mittens, running mitten "shells" from the old Moss Brown store in Georgetown, DC.

Bandanas under the helmet if it's cold, and a stretchy band over my ears.

And a smile.