I have a thin bottom layer for a top, and then a polartec fleece for a second layer, and a windproof top layer for the top. for the bottom I have a pair of longjohns that are for winter outdoors activities, just a pair of gym pants to put on top of those. I have fleece socks with nylons for my feet, and a pair of winter gloves for my hands. and a head band for my ears that fits under my helmet. I have used the headband before and it keeps my ears warm. also I was planning on my cycling shoes, any ideas you guys can give will be helpful.