Bottom: Jeans with either tights or long underwear.
Top: T-shirt, long-sleeve t-shirt (or turtleneck), sweat shirt & light windbreaker.
Other: Heavier gloves (mine are fur-lined) or full-fingered cycling gloves for cold weather, plus balaclava. A hat or hood may be needed with the balaclava.
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I stop for people / whose right of way I honor / but not for no one.
Originally Posted by
bragi 
"However, it's never a good idea to overgeneralize."