+12 or whatever on the wind layer, but I discovered last week that it's not a silver bullet. I find that a compression shorts base layer helps a bit because it holds everything close to the body. As for a DIY neoprene bag...what I've done sometimes is just take a washcloth (terrycloth), tuck a corner in the waistband of my compression shorts, and it becomes an extra layer between the shorts and the windproof outer layer. A little ghetto, but it seems to help.