btw...with regard to wool..... it's true it keeps you warm when wet because it moves water away from your body, but it doesn't evaporate the water quickly. You end up with wet, hard to dry wool. You should be wearing virtually all synthetic clothing. Some women need cotton panties to wear when not wearing riding shorts. A decent cotton tshirt to wear when the weather is good is nice and comfortable. A bandana might be nice, but your jersey/shirt should by nylon/synthetic, your socks should be synthetic...pants, jackets, all synthetic. They won't absorb moisture like cotton or wool and therefore will keep you warmer longer and dry faster. Much faster. Much much faster. I take one cotton tshirt with me when touring. Everything else is some type of polypro or nylon or other synthetic. Wool was better than cotton but synthetics are just that much better than wool, particularly when on tour where drying clothes can be a challenge. Synthetics will dry on you while you continue to wear them.