For your top, polypro. If you can afford it, hollow-core polypro. Over that, wool or polyester. This is best combo for wicking sweat from your skin to a more-water-loving layer. Over that, more wool or polyester. For outer layer same, or "breathable" membrane-laminate shell, with as many bulk-air-flow features as you can find (top and bottom front zip, pitzips, openable cuffs, back vent, pockets that allow airflow when open...).
You may be able to wear a smooth low-friction tight under your pad layer. You have to try it out and decide for yourself.
If you want to save money for cold riding, cheap rain pants totally block wind, and this will boost your warmth a lot. Get an ankle band to keep the right pant leg off the front ring.