I like in CA where there isn't a real winter. I went to TJ Maxx, Marshalls, etc and got a variety of undergarments. I have Underall, Nike, etc. On top will be a windbreaker. I broke down and bought real biking pants, Headwind from REI. They are not tights, so I can wear tights underneath them. I'm going to put some wet weather tires on the mostly unused MTB and try to commute some this winter. I hate being cold, so I don't know how soon I will give up. It's going to be mid 70s tomorrow. Brrrr!