I took a slightly different route. I wear a pair of "liners" essentially bike shorts meant to wear under other shorts. They look the same as bike shorts but are light gray. I wear leg warmers that come up to and cover a bit of the liners shorts. I then wear a pair of cargo shorts over the liners. If it's really cold I wear a pair of fleece pants over that. I can remove the leg warmers and or fleece pants to fine tune just what I need according to temps or wind.