common question this time of year. it's about wind protection hed to toe first, then thermal protection, then wind and thermal together. cycling specific clothing while more expensive will actually save you money in the long run because it will save you the continual pursuit of the right stuff where you will only wind up with cycling specific stuff in the end anyway. one exception is cheap motel style clear shower caps for over the helmet. they offer yes rain prtection without obstructing your reflective helmet but always wind protection. when you warm up whip it off easily and stow it in a pocket. chilly? wrap it back on quickly. when things get colder use it in conjunction with head bands; headsweats; or skull caps.

finally cycling in cooler temps is very defibnitely about ventilation; layers and options. it will be a process for you to learn and aqire what is best for you personally. enjoy the learning journey!