Weepingwillow, if you're worried about cold, then start to think now about your cold fingers/cold toes strategy. Wool socks from the thrift store on both hands and feet can suffice--but I'd get those NOW and carry them with you so you have them when you need them. (Cheap glove liners inside the wool socks can get you even further!) Later on you can figure out what precise type of glove/mitten/sock/bootie combination works for you. But there is nothing worse than frozen fingers and toes on your commute, and I find my fingers and toes get cold at temperatures when my core is quite comfortable. And it's always better to have to stop to take off extra clothing than try to warm up mid-ride, at least for the extremities. Also, speaking as a native midwesterner, check out hunting departments in stores like Meijers (not sure if they are in MO) or Kmart for inexpensive clothing options.