What sort of 'winter' temperatures are you considering riding in? I have a performance XALT ( http://www.performancebike.com/shop/...html?SKU=14041 ) that, over a decent wicking long sleeve jersey, keeps me comfortable down to at least 30 (I haven't had the opportunity - yet - to try it in anything colder, but I doubt it would be enough at temps much below 30 without another layer or two). It lists for $139 on the web site, by my local performance shop seems to have them on sale for $89 fairly often.